Financial Adviser Hub is an educational publication. The information on this website is general in nature and does not constitute personal financial, investment, pension, tax, legal or accounting advice.
No personal financial advice
We do not assess a reader’s individual circumstances, objectives, income, assets, liabilities, pensions, investments, tax position, dependants, risk tolerance or capacity for loss. Nothing on this website should be treated as a personal recommendation to take, avoid or change a financial action.
Examples are provided to explain concepts. They are not recommendations and may not reflect a reader’s circumstances.
No adviser or product recommendation
Financial Adviser Hub does not recommend or endorse specific financial advisers, firms, investment platforms, pension providers, funds, insurance products, tax arrangements or financial strategies.
A reference or link to an organisation does not imply endorsement. Readers should carry out their own checks and consider whether regulated or specialist advice is appropriate.
Financial circumstances differ
Financial decisions can have long-term consequences. The relevance of an option depends on matters such as age, objectives, family circumstances, tax position, pension type, investment experience, time horizon and willingness and ability to accept risk.
General information cannot replace a personal assessment. Where a decision requires personalised advice, readers may wish to consult an appropriately regulated or qualified professional.
Regulation and authorisation
We explain UK financial regulation for educational purposes, but Financial Adviser Hub is not authorised by the Financial Conduct Authority to provide regulated financial advice.
Consumers should check the status, permissions and identity of a firm or individual using official FCA tools before engaging a service or transferring money. Authorisation does not guarantee investment performance or mean that every service will be suitable for every consumer.
Accuracy and currency
We aim to publish accurate and useful information, but financial rules, tax treatment, pension rules, regulatory guidance, compensation limits and market practice can change. Information may become outdated after publication or review.
Readers should check current official sources before relying on a rule, threshold or process for an important decision. We do not guarantee that every page is complete, error-free or suitable for a particular purpose.
Tax information
Any discussion of tax is general. Tax treatment depends on individual circumstances and may change. Financial Adviser Hub does not provide tax advice. Readers with tax questions may need help from HM Revenue & Customs, a qualified tax adviser or another appropriate professional.
Investments and pensions
The value of investments and income from them can rise or fall. Past performance does not guarantee future results. Pension and investment decisions may involve charges, restrictions, tax consequences and the risk of loss.
Our content does not tell readers whether to buy, sell, transfer, consolidate, retain or access a pension or investment.
External websites
Links to external websites are provided for convenience and further reading. We do not control external content, availability, security or privacy practices and are not responsible for changes made by third parties.
Advertising
The site may display advertising. Advertisements are separate from editorial content and should not be interpreted as recommendations by Financial Adviser Hub. The presence of an advertisement does not indicate that we have assessed the advertiser or its products.
Limitation of responsibility
To the extent permitted by law, Financial Adviser Hub is not responsible for loss or damage arising from reliance on general information published on this website. Nothing in this disclaimer excludes responsibilities that cannot lawfully be excluded.
Seek appropriate help
Readers who need a recommendation based on their circumstances should consider using an appropriate guidance service or speaking to a regulated financial adviser or other suitably qualified professional.
For information about our research and review standards, read the Editorial Policy. Questions about this disclaimer can be sent through our Contact page.
Last reviewed: June 2026