Our advice. We offer independent investment advice. This means that we consider a wide range of financial strategies and products. We are constantly reviewing the market to ensure that the services and products we offer are appropriate for our clients. Where we recommend particular investment strategies and products to you, these will be selected based on your personal circumstances, financial goals and objectives. We’ll consider a number of factors, including the services you need, the cost of investing, how much risk you are prepared to accept in an investment product and how much of a drop in its value you could withstand. The areas we can advise on include: • Life assurance • Unit trusts • Investment bonds • Open ended investment companies • Pensions • ISAs • Annuities • Term assurance • Phased retirement & income drawdown • Critical illness cover • Long term care • Income protection We don’t provide advice in relation to individual share holdings. If this is something you need assistance with, we can refer you to a stockbroker. We don’t provide advice on options, futures and other derivative contracts as we believe that these are unlikely to be suitable for our clients For further details please refer to our client prospectus. Where we provide protection planning services we are an insurance intermediary and will provide advice which is based on a fair and personal analysis of the market.
Our advice. We offer restricted investment and protection planning advice. This means we have chosen to limit the range of products and/or providers that we’ll consider before recommending a suitable solution for you. Specifically, we have chosen to restrict our platform related business where we use one provider, because we believe that this is suitable for the majority of our clients. We may consider investments that are not available on the platform where this is appropriate for you.
Our advice. Your claim appears to be a claim with merit that is both likely to succeed and potentially capable of becoming part of a group action (if appropriate). You have been provided with a document entitled “Your Claim: Woodford Equity Income Fund - Initial Advice” that sets out key information in relation to your claim.
Our advice. Whatever financial decisions you have to make, the first step towards making the right decisions is to establish a clear understanding of your financial needs. People seek financial advice for many different reasons so it is important that we understand exactly who you are and what you want to achieve. At our first meeting we will gather information about you to help define your needs, objectives and priorities. Our services include the following areas of financial advice as summarised below. Financial Planning It is important to identify what you might want to achieve and how you can do this. We can help you to identify your goals and create a plan for your finances to help you achieve them. Retirement Planning It is important to know whether the money you are saving towards retirement will provide you with sufficient funds to meet your retirement needs and objectives. We can work with you to proactively plan for your retirement and help you decide on the options available once at retirement. Protection Planning Most of us want to protect the things that are important to us, our family, business and quality of life. Protection planning can help to provide peace of mind in the event of your income changing due to unexpected events. We can help you plan for the best way to protect you, your family or your business. Tax and Estate Planning Mitigating our tax liabilities can ensure that we have the best lifestyle affordable to us. We can help with your income and capital gains tax (CGT) planning along with inheritance tax (IHT) solutions. Mortgages and Equity Release Advice Whether you are buying your first home, moving home, looking to re-mortgage or wanting to release the wealth tied up in your property we offer a comprehensive range of mortgage products and equity release plans from across the market and aim to provide you with the best solution for your needs. We offer independent financial advice which means that we consider a wide range of financial solutions and products. We are constantly reviewing the market to ensure that the services and products we offer you are appropriate and enable us to provide you with personal recommendations. Where we provide protection planning services we are an insurance intermediary that utilises a range of insurers and we provide you with advice which is based on a fair and personal analysis of the market. We do not provide advice in relation to individual share holdings. If this is something you need assistance with w...
Our advice. In relation to any particular transaction, specific advice should always be sought by you, and all material information provided to us. Our advice is provided for the purposes described in this Agreement. Its applicability will depend on the particular circumstances of which we were aware in
Our advice. The expression “non legal matter” when used in this section and in the ‘Standard of care and liability’ section below includes, without prejudice to the generality of the foregoing, advice as to accounting, auditing, underwriting or insurance practice, management, valuation, whether in regard to real estate or otherwise, marketing, auctioneering, estate agency, business, commerce, banking, finance or investment. Changes in the Law. Our advice is given on the basis of the laws in force in Trinidad and Tobago at the date of that advice. Unless you expressly instruct us in writing to do so we are under no obligation to advise, and accept no responsibility whatsoever for advising, in relation to subsequent changes in the laws of Trinidad and Tobago, and the effect, if any, on you. It is possible that changes may occur in the law and its interpretation before our advice is acted upon. We accept no responsibility for any changes in the law or its interpretation that occur subsequent to our advice being delivered to you. No independent investigation. Our responsibility is limited to responding to specific instructions received from you, or on your behalf, by your professional advisers or agents, and we are under no obligation to investigate or verify independently the accuracy or completeness of such instructions. If we are obliged to make any assumptions as to matters of fact, or the laws of any jurisdiction other than Trinidad and Tobago, we may rely entirely upon those assumptions without independent verification. Standard of care and liability. Subject to these terms and conditions, the standard of care which we shall exercise (to the exclusion of all other standards implied by law or otherwise, if any, to the utmost extent permitted by law) shall be that of a reasonably competent Trinidad and Tobago lawyer practising in Trinidad and Tobago at the relevant time.
Our advice. 7.1 Our advice will be specific to your circumstances and intentions at the point of issue. This advice should not be relied upon and nor will it be suitable for a different use at a different time, in different circumstances or to achieve other aims, or for the use of others.
7.2 As relevant rules and legislation are subject to change, we are not responsible for any actions taken on the basis of the advice or suggestions contained in our report unless instructions are given by you to us to proceed on your behalf. You should ask us to review any advice previously given if a transaction is delayed or is to be repeated, or if an apparently similar transaction is to be undertaken.
7.3 Any advice we give you will normally be in writing, but if given orally will be recorded for your file. Details of your objectives will be included in a suitability report which will be issued to confirm our recommendations. Unless confirmed in writing to the contrary, we will assume that you do not wish to place any restrictions on the advice we give you. If you wish to vary your objectives or those restrictions at any time you should contact us immediately and we will use reasonable endeavours to confirm any variation to you in writing.
7.4 Where any recommendations we make or transactions we undertake for you result in a right to cancel the policy under certain conditions, we will advise you of these rights. We will also tell you if you do not have a right to cancel the arrangement.
Our advice. We offer independent investment advice. This means that we consider a wide range of financial strategies and products. We are constantly reviewing the market to ensure that the services and products we offer are appropriate for our clients. Where we recommend particular investment strategies and products to you, these will be selected based on your personal circumstances, financial goals and objectives. We will consider a number of factors, including the services you need, the cost of investing, how much risk you are prepared to accept in an investment product and how much of a drop in its value you could withstand. The areas we can advise on include: ▪ Life assurance ▪ Unit trusts ▪ Investment bonds ▪ Open ended investment companies ▪ Pensions ▪ ISAs ▪ Annuities ▪ Structured deposits ▪ Phased retirement & income drawdown ▪ Investment trusts ▪ Mortgages ▪ Exchange traded funds ▪ Term assurance ▪ Enterprise investment schemes ▪ Critical illness cover ▪ Venture capital trusts ▪ Income protection ▪ Structured products We do not provide advice in relation to individual share holdings. If this is something you need assistance with, you will need to contact a stockbroker. We do not provide advice on options, futures and other derivative contracts as we believe that these are unlikely to be suitable for our clients.
Our advice. 4.1. Based on the information provided by you, at our sole discretion we may suggest a strategy for you with respect to the Investments. Such strategy may include, recommending that you vote your shares or units in a certain manner, that you sell your shares or units or that you undertake such other actions as we may suggest. We shall not undertake any action pursuant to the recommended strategy until you approve our recommendations by issuing the documents set out in clauses 4.2. or 4.3 below (as applicable) or such other document as we may request or that may be required by applicable, laws, regulations, practises or procedures.
4.2. Where the User authorizes us to attend a meeting of shareholders or partners to vote in accordance with our recommendations, the User shall authorize us to do so in writing by:
4.2.1. executing a notarized proxy power of attorney substantially in the form set out in Part A of Schedule C; and
4.2.2. completing a voting instruction form substantially in the form set out in Part B of Schedule C.
4.3. Where the User authorizes us to sell all or part of the Investments in accordance with our recommendations, the User shall:
4.3.1. execute a notarized power of attorney substantially in the form set out in Part C of Schedule C; and
4.3.2. complete a sale instructions form substantially in the form set out in Part D of Schedule C.
Our advice is for your benefit only. Save as expressly set out, our agreement with you is not intended to confer rights on any third parties whether pursuant to the Contracts (Rights of Third Parties) Act 1999 or otherwise.
