Authorised and Regulated by the Financial Conduct Authority

97 High  Street



       CM12 9AJ

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01277 630873


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Your Home is at risk if you do not keep up any mortgage or payments secured upon it!

You should remember that past performance is not necessarily a guide to the future. Market and currency movements may cause the value of units, and the value derived from them, to fall as well as rise and you may get back less than you invested when you decide to sell your units. The tax treatment of investments and pensions is not guaranteed and may change in the future.  

Third avoid high risk. It is sometimes possible to obtain high income amounts but the problem is that your capital may not exist if the companies paying that interest go out of business.

Fourth avoid tax. There is no point in making either growth or income and then paying 20% or more of it to the Inland Revenue.

Fifth avoid “lock down” Most “special product offers” of high income require you to tie up your capital for anything between five and seven years. A lot can change in that period of time and not to have access to your capital is in our view very dangerous and can be very costly.

There are 32,000 products available to you, some generate income; some pay income from capital and the variety and performance of the underlying investments can vary dramatically. The only way we can help you is to discuss your personal requirements, identify your exact needs and recommend the best product(s) for your circumstances. Simply telephone us.

We can help to a certain extent on-line: -

The first step is a detailed Budget, click for a suitable form.

Complete a “fact find” The link produces a detailed questionnaire for you to complete and either return by e-mail to or print out and “snail mail” to us.

You should read our Key facts and Terms of business before doing so but there will be no charge until we have agreed a basis on which to provide the advice.

Risk Questionnaire

THE ADVICE CENTRE - making sense of a complicated world