2022-03-22 GDD

What financial matters do we advise on?
We provide advice to customers who are defined by the Financial Conduct Authority as
‘retail’ or ‘consumer’. This means ordinary people acting outside their trade or profession.
We also advise ‘professional’ and ‘commercial’ customers. These are typically larger
organisations and businesses who have a greater understanding of the products on which
they require advice.
The permissions we hold from the Financial Conduct Authority enable us to advise on a
wide range of financial products and transactions. These include:
• Investing capital to create a regular income or protect against erosion in value from
future inflation. This is typically for retired customers, or those who have amassed
significant funds they wish to pass on to the next generation.
• Planning to meet income needs in retirement. This is typically for customers who have
not yet retired but wish to plan for a retirement income to support a particular lifestyle.
• Advising on the transfer of entitlements held under occupational pension schemes.
• Protection for families against the financial effect of death or incapacity.
• Reducing exposure to inheritance tax through use of insurance and investment
products.
We also advise businesses, ranging from small to large, on business planning issues
including.
• Employee workplace pension arrangements and death in service schemes.
• Shareholder protection arrangements.
• Key-person cover.
• Self-invested and director pension arrangements.
• Corporate Investments.
Page 11 of 34 General Disclosure Document 23/3/2022