The strategies which are summarised herein are not recommendations and are of a general nature. They do not take into account your specific circumstances and they should not be acted on without a full understanding of your current situation and future goals and objectives by a fully qualified financial adviser. In doing so you risk making a commitment to a product and/or strategy that may not be suitable to your needs. Assumptions used within the strategies are based on current legislation and may change in the future. Interest rates and returns may also change affecting your investments and their relative performance. It is accepted that every care has been taken to ensure the material is accurate and reliable and that no responsibility is accepted for errors or omissions Please Note: Where investment returns are indicated the figures are based on historical data and are not a representation of future performance.