Savings and Investments _________________________________________________________________ Are you paying too much tax on your investments ? Various investments are taxed in a different manner. Click Here on how to shelter your hard earned cash. ISA Advice Confused about ISA's, most people are. We make it simple. Tailored made for your individual circumstances. Contact us now Mailshot Mania Are you a victim of junk mail ? Are the "special offers" really special ? We will match any discount you can obtain elsewhere .Why deal at a distance we are a friendly local IFA and we want you as a client not a mailshot address. So you think you know what investments products to buy. Get a second opinion from the experts it costs you nothing. Contact us now Portfolio Planning For the serious investor a bespoke range of investments to suit your objectives. Full details available on request. Contact us now    ______________________________________________________________________ " A Word of Caution - Risk Factors " Switching between funds and/or providers entails selling your existing units and buying units in the new fund. This may take several days. During this period, by being dis-invested, you will not participate in any rise, or indeed fall, in investment values. I should remind you that ISA and tax legislation can change at any time and that the value of the tax concessions will depend on your individual circumstances. The investments in a fund portfolio are subject to normal stock market fluctuation and other risks inherent in all investments. The charges that will be levied in respect of the investments are explained in the Key Features documents and these must be covered by investment growth before a profit will be achieved. By careful product selection we endeavour to minimise these costs for your benefit. Whilst any recommended investments are not normally subject to any set term of years and may be encashed at any time, it is important to emphasise that you should regard them as long term, i.e. a minimum of 5 years and preferably longer. The value of the investments may go down as well as up which means that you could get back less capital than originally invested, should you either surrender your plan early or encash the plan at a time when markets have fallen. Income from the investments may also fluctuate in money terms - this is not relevant if a fixed income is taken, although this may erode the capital. Quoted yields are for illustrative purposes only and are not guaranteed and where past performance figures are quoted, it is no guarantee as to future performance. Changes in exchange rates between currencies may cause the value of your investments and the income from them to increase or diminish.