Disclaimer –  information held on this website is for information only and is for the use of consumers within the United Kingdom only. These pages provide generic information about various aspects of financial services and the advice that we provide. We hope they are helpful to you, but they do not, on their own, add up to a recommendation and we cannot take responsibility for anything you do in response to our website without further discussions with a consultant. Please do not make a decision based upon the information contained within these pages alone. Contact us for further advice to enable you to make an informed decision based upon your individual circumstances.