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Author: Simone Smit

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Catriona’s foster dog makes her a better Financial Adviser



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How Catriona’s foster dog makes her a better Financial Adviser

Today, we dive into the life of one of our superwomen Advisers, Catriona aka Cat. Cat has been a part of AWM for over 5 years now (Insert Applause) and is an important asset to the AWM Team. She is an AWM Superstar and now dog foster mum, read her article on how her Dog, Datsun, enriches her ‘work from home’ life.

Did you spot this article on the citywire website earlier this month?

Owner: Catriona McCarron, wealth manager at Ascot Wealth Management

Name of pet: Datsun

Breed: He’s a rescued Mastin cross (no idea what he’s crossed with!)

Age: 15 months

Funniest thing he’s done? We have family in Whitstable, which is along the Kent coast. We took Datsun there when the lockdown began to ease, and it was his first time seeing the sea. At first, he was really unsure about whether he should go in, but with a bit of persuasion and following us in he eventually did. When he did get in however, he decided all of the seaweed in the water needed to be back on the beach. He spent a good twenty minutes pulling it all out and dredged this small part of the Kentish coast! It was fun, until we had the job of throwing it back in…

How has your pet made you a better wealth manager? Datsun has kept me company since working from home became my norm in March. He’s made me a better wealth manager by encouraging me away from my desk at lunchtime and getting out for walks. Taking time to reflect on the day is so important, and some of my best ideas have been thought up on a lunchtime dog walk. Additionally he’s been a great tool for combating loneliness. My partner works for the NHS, so it has been business as normal since lockdown. It’s easy to find yourself talking to appliances when working alone, so at least I can talk to Datsun instead!

source: citywire.co.uk

Ascot Wealth Management Limited is authorised and regulated by the Financial Conduct Authority reference 551744. Our registered office: Scotch Corner, London Road, Sunningdale, Ascot, Berkshire, SL5 0ER. Registered in England No. 7428363. www.old.ascotwm.com Unless otherwise stated, the information in this document was valid on 3rd February 2017. Not all the services and investments described are regulated by the Financial Conduct Authority (FCA). Tax, trust and company administration services are not authorised and regulated by the Financial Conduct Authority. The services described may not be suitable for all and you should seek appropriate advice. This document is not intended as an offer or solicitation for the purpose or sale of any financial instrument by Ascot Wealth Management Limited. The information and opinions expressed herein are considered valid at publication, but are subject to change without notice and their accuracy and completeness cannot be guaranteed. No part of this document may be reproduced in any manner without prior permission. © 2017 Ascot Wealth Management Ltd. Please note: This website uses cookies. To continue to use this website, you are giving consent to cookies being used. 

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AWM QUIZ



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AWM Quiz Night

In this strange time, community is very important. To help us stay in touch with our colleagues and share some much needed ‘face time’ with the people we usually spend 9 hours a day with we decided to host our very first AWM Quiz night. We can assure you that it won’t be the last. 

If you want to host your very own quiz night hit the link below to download your set of questions.  

THE QUIZ


ROUND 2

Ascot Wealth Management Limited is authorised and regulated by the Financial Conduct Authority reference 551744. Our registered office: Scotch Corner, London Road, Sunningdale, Ascot, Berkshire, SL5 0ER. Registered in England No. 7428363. www.old.ascotwm.com Unless otherwise stated, the information in this document was valid on 3rd February 2017. Not all the services and investments described are regulated by the Financial Conduct Authority (FCA). Tax, trust and company administration services are not authorised and regulated by the Financial Conduct Authority. The services described may not be suitable for all and you should seek appropriate advice. This document is not intended as an offer or solicitation for the purpose or sale of any financial instrument by Ascot Wealth Management Limited. The information and opinions expressed herein are considered valid at publication, but are subject to change without notice and their accuracy and completeness cannot be guaranteed. No part of this document may be reproduced in any manner without prior permission. © 2017 Ascot Wealth Management Ltd. Please note: This website uses cookies. To continue to use this website, you are giving consent to cookies being used. 

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Tapered pension annual allowance: what changed after the 2020 Budget?



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Tapered pension annual allowance: what changed after the 2020 Budget?

Firstly: What is tapered annual allowance?

Let’s begin by understanding the annual allowance. This is the maximum you can save in your pension schemes each year. For the 2020/21 tax year the annual allowance is £40,000, but if you have a high income your annual allowance may be lower than £40,000. This is called a tapered annual allowance. 

Tapered annual allowance rules are applied when your level of income within the tax year exceeds the Threshold income limit and the Adjusted income limit

What is ‘threshold income’?

Threshold income is all of your earnings (not just your salary) and includes gains on investments. Foreign earnings do not count towards threshold income as they are not taxed in the UK.

What is ‘adjusted income’?

Adjusted income is all of your earnings which are subject to UK Income Tax, including all pension contributions paid by you and by your employer. The difference between ‘threshold income’ and ‘adjusted income’ is that the former excludes pension contributions but the latter includes all pension contributions.

So, what are the recent changes?

The Government has announced a significant increase to the threshold income and adjusted income limits that are used to work out the tapered annual allowance.

From 6 April 2020, you will have a reduced (‘tapered’) annual allowance if:

  • your threshold income is over £200,000 (this was previously £110,000)   and
  • your adjusted income is over £240,000 (this was previously £150,000)

How does the tapered annual allowance affect my pension savings?

If you are subject to the tapered annual allowance, for every £2 your adjusted income goes over £240,000, your annual allowance for that year reduces by £1. From 6 April 2020 this reduces all the way to a £4,000 annual allowance (which has recently been lowered from £10,000).

What’s the Next Step?

If you have concerns about your pension annual allowances or would like to speak to someone about your pensions or other investments, we’re here to help you. You can either phone us directly or click below to book a meeting with one of our professional advisers.


CONTACT US

Ascot Wealth Management Limited is authorised and regulated by the Financial Conduct Authority reference 551744. Our registered office: Scotch Corner, London Road, Sunningdale, Ascot, Berkshire, SL5 0ER. Registered in England No. 7428363. www.old.ascotwm.com Unless otherwise stated, the information in this document was valid on 3rd February 2017. Not all the services and investments described are regulated by the Financial Conduct Authority (FCA). Tax, trust and company administration services are not authorised and regulated by the Financial Conduct Authority. The services described may not be suitable for all and you should seek appropriate advice. This document is not intended as an offer or solicitation for the purpose or sale of any financial instrument by Ascot Wealth Management Limited. The information and opinions expressed herein are considered valid at publication, but are subject to change without notice and their accuracy and completeness cannot be guaranteed. No part of this document may be reproduced in any manner without prior permission. © 2017 Ascot Wealth Management Ltd. Please note: This website uses cookies. To continue to use this website, you are giving consent to cookies being used. 

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Government doubles Junior ISA limit to £9k



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Government doubles Junior ISA limit to £9k

These current circumstances will have many families focused upon the immediate future, the next few months, how to adjust to homeschooling and spending significantly more time together. However, life must go on and although our futures may be different, saving for our children’s futures are still a high priority. Junior ISAs provide an excellent way to invest in their future, and the doubling of the tax-free annual allowance allows those who can to contribute more than ever before.

What is a Junior ISA?

It is a tax-free savings account which is only available for children below the age of 18.

There are two types:

  • Cash Junior ISA: deposit based account available in banks and building societies.
  • Stocks and shares Junior ISA: invest your child’s savings in a stock market investment.

Each eligible child can only have one cash and one stocks and shares Junior ISA.

What are the recent changes?

Before the recent changes, £4,368 could be paid into a Junior ISA in the 2019 to 2020 tax year. However, following the 2020 Budget, the allowance has more than doubled.

In the 2020 to 2021 tax year, up to £9,000 can be paid into a Junior ISA.

How much can you save?

Up to the maximum Junior ISA allowance, which is £9,000 in the 2020/21 tax year.

The allowance resets every tax year and you can add a new allowance to your Junior ISA each tax year until your child turns 18.

If you open a cash Junior ISA and a stocks and shares Junior ISA you have to make sure you do not collectively exceed the Junior ISA allowance each tax year, as the allowance is shared over both types.

Who Can Open a Junior ISA?

This depends on the age of your child:

  • If they are under 16 years old: a parent or guardian needs to open the Junior ISA on their behalf.
  • If they are 16 or 17 years old: they can open a cash Junior ISA themselves, but not a stocks and shares Junior ISA.

If you open a cash Junior ISA on behalf of your child it will automatically switch into their name when they turn 16, but they will not be able to access the money until they turn 18.

What’s the next step?

If you wish to top up or open up a Junior ISA or would like to speak to someone about your other investments, we’re here to help you. You can either phone us directly or click below to book a meeting with one of our professional advisers.


CONTACT US

Ascot Wealth Management Limited is authorised and regulated by the Financial Conduct Authority reference 551744. Our registered office: Scotch Corner, London Road, Sunningdale, Ascot, Berkshire, SL5 0ER. Registered in England No. 7428363. www.old.ascotwm.com Unless otherwise stated, the information in this document was valid on 3rd February 2017. Not all the services and investments described are regulated by the Financial Conduct Authority (FCA). Tax, trust and company administration services are not authorised and regulated by the Financial Conduct Authority. The services described may not be suitable for all and you should seek appropriate advice. This document is not intended as an offer or solicitation for the purpose or sale of any financial instrument by Ascot Wealth Management Limited. The information and opinions expressed herein are considered valid at publication, but are subject to change without notice and their accuracy and completeness cannot be guaranteed. No part of this document may be reproduced in any manner without prior permission. © 2017 Ascot Wealth Management Ltd. Please note: This website uses cookies. To continue to use this website, you are giving consent to cookies being used. 

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Kickstart your 20/21Tax Savings​



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Kickstart your 20/21Tax Savings​

Given the current state of affairs, most of us have a lot more time on our hands. There are so many little chores which we have in the back of our minds but we seem to never have the time to get these done. Being it tidying up your home office, fixing up those unattended spreadsheets or attending to your tax allowances to maximise your tax savings. Now is the time GET THINGS DONE. This is a reminder to maximise your allowances as early as possible in the new upcoming tax year starting 6th April 2020.

ISA Allowance

The maximum you can contribute to an ISA for next tax year is £20,000. This is a very tax-efficient investment vehicle set up a goal for Monthly Contributions to reach the maximum you can afford.

Pension Contributions

Another way to reduce tax and at the same time boost your retirement pot is to make sure you use up your entire annual pension allowance, which is £40,000 for 20/21. Additional rate taxpayers enjoy tax relief of 45%. If your total pension savings exceed the lifetime allowance of £1.073 million in 2019/20, you may be liable to tax when you draw benefits. Once you earn more than £200,000, your annual allowance starts to fall, known as the ‘tapered annual allowance’. The tapered allowance applies if your ‘adjusted income’ is more than £200,000

Gifting

Everyone is able to gift £3,000 to someone and it will be immediately outside of your estate for inheritance tax. You can top this up to £6,000 if you didn’t use the allowance in the previous tax year too.


CONTACT US

Ascot Wealth Management Limited is authorised and regulated by the Financial Conduct Authority reference 551744. Our registered office: Scotch Corner, London Road, Sunningdale, Ascot, Berkshire, SL5 0ER. Registered in England No. 7428363. www.old.ascotwm.com Unless otherwise stated, the information in this document was valid on 3rd February 2017. Not all the services and investments described are regulated by the Financial Conduct Authority (FCA). Tax, trust and company administration services are not authorised and regulated by the Financial Conduct Authority. The services described may not be suitable for all and you should seek appropriate advice. This document is not intended as an offer or solicitation for the purpose or sale of any financial instrument by Ascot Wealth Management Limited. The information and opinions expressed herein are considered valid at publication, but are subject to change without notice and their accuracy and completeness cannot be guaranteed. No part of this document may be reproduced in any manner without prior permission. © 2017 Ascot Wealth Management Ltd. Please note: This website uses cookies. To continue to use this website, you are giving consent to cookies being used. 

Kickstart your 20/21Tax Savings

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Government Support For Individuals and Businesses



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Government Support For Individuals and Businesses

Government-backed loans to businesses

Information about the Business Interruption Loan Scheme

Business Rates reliefs

Business Rates Relief has been updated removing exclusions for this relief so that retail, leisure, and hospitality properties that have been forced to close  will now be eligible for the relief

Direct business grants

Guidance for businesses including information on Small Business Grant Scheme and the Retail and Hospitality Grant Scheme

Supporting the self-employed

Measures to support self-employed people are now available. Further information on the Self-employment Income Support Scheme has been published along with a frequently asked questions page.

VAT Deferral

Further guidance on the deferral of VAT payments due to coronavirus has been published.

Tax – Improved Time To Pay arrangements

An  HMRC helpline has been launched to help businesses concerned about paying their tax due to coronavirus (COVID-19). The helpline allows any business or self-employed individual who is concerned about paying their tax due to coronavirus to get practical help and advice. The new number is 0800 024 1222

International Business Operations

Updates to the Guidance for UK businesses trading internationally, including a business support helpline

General Guidance for employees/employers and Businesses

Guidance for employees, employers and businesses including information on healthcare advice for employers and support for businesses


CONTACT US

Ascot Wealth Management Limited is authorised and regulated by the Financial Conduct Authority reference 551744. Our registered office: Scotch Corner, London Road, Sunningdale, Ascot, Berkshire, SL5 0ER. Registered in England No. 7428363. www.old.ascotwm.com Unless otherwise stated, the information in this document was valid on 3rd February 2017. Not all the services and investments described are regulated by the Financial Conduct Authority (FCA). Tax, trust and company administration services are not authorised and regulated by the Financial Conduct Authority. The services described may not be suitable for all and you should seek appropriate advice. This document is not intended as an offer or solicitation for the purpose or sale of any financial instrument by Ascot Wealth Management Limited. The information and opinions expressed herein are considered valid at publication, but are subject to change without notice and their accuracy and completeness cannot be guaranteed. No part of this document may be reproduced in any manner without prior permission. © 2017 Ascot Wealth Management Ltd. Please note: This website uses cookies. To continue to use this website, you are giving consent to cookies being used. 

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AWM Educational Videos Are Getting Attention



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AWM Educational Videos Are Getting Attention

It is with great pleasure that we are now able to announce that Ascot Wealth Management has been nominated in the Money Marketing Awards 2020, sponsored by City Asset Management, for the Best Financial Education Initiative (Advice Firm). The award focuses on AWM’s short educational videos that are posted on a variety of different social media platforms. These are posted in the hope of educating, not just our clients, but the wider population age range. These short videos focus on economic updates, tax planning strategies and any other relevant updates. 
We have received very positive feedback from individuals who have viewed our educational videos and we implore you to follow our social media pages. 


CONTACT US

Ascot Wealth Management Limited is authorised and regulated by the Financial Conduct Authority reference 551744. Our registered office: Scotch Corner, London Road, Sunningdale, Ascot, Berkshire, SL5 0ER. Registered in England No. 7428363. www.old.ascotwm.com Unless otherwise stated, the information in this document was valid on 3rd February 2017. Not all the services and investments described are regulated by the Financial Conduct Authority (FCA). Tax, trust and company administration services are not authorised and regulated by the Financial Conduct Authority. The services described may not be suitable for all and you should seek appropriate advice. This document is not intended as an offer or solicitation for the purpose or sale of any financial instrument by Ascot Wealth Management Limited. The information and opinions expressed herein are considered valid at publication, but are subject to change without notice and their accuracy and completeness cannot be guaranteed. No part of this document may be reproduced in any manner without prior permission. © 2017 Ascot Wealth Management Ltd. Please note: This website uses cookies. To continue to use this website, you are giving consent to cookies being used. 

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Tax Tips with AWM: IHT



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Tax Tips with AWM: IHT

Tax-Year-End (5 APRIL) is approaching FAST and its time to take full advantage of all those tax benefits and allowances, that not many people utilise.

This is Tip #4 of the blog series with the main topic of Pre-Tax-Year-End tax planning. If you missed Tip #1,#2 and #3 on Venture Capital Trusts and Enterprise Investment Schemes and How to maximise your allowances, head over to our blog page. 

The tax tips are to help make sure that you best utilise your Tax-Year-End options and today we focus on Inheritance Tax

What is Inheritance Tax (IHT)?

Inheritance Tax (IHT) is a tax on the estate (the property, money and possessions) of someone who has passed away.

How much IHT will I pay?

The current rate of IHT is 40%, each individual has a basic nil rate band of £325,000. There are various scenarios where this may not hold true, you may have an additional nil-rate band from either your late spouse or passing your main residence to a direct decedents. You may also have a reduced nil-rate band from gifts made throughout your lifetime.

We are experts in this field so click below for one of our advisers to give you an estate appraisal.

Residence Nil Rate Band (RNRB)

The Residence Nil Rate Band (RNRB) – also known as the home allowance -has been introduced recently. Provided certain conditions are met, the home allowance gives you an additional allowance to be used to reduce any IHT liability against your home.

The RNRB allowance is currently £150,000, but it will rise to reach £175,000 in 2020/21.

IHT Gifts, Reliefs & Exemptions

Some gifts and assets are exempt from IHT, such as wedding gifts and charitable donations. Relief might also be available on certain types of property such as farms and business assets.

You can gift up to a value of £3,000 each tax year,  click below to find out more on how we can help you optimise your gifting allowance.

*utilising these allowances are provider timeline dependent.


CONTACT US

Ascot Wealth Management Limited is authorised and regulated by the Financial Conduct Authority reference 551744. Our registered office: Scotch Corner, London Road, Sunningdale, Ascot, Berkshire, SL5 0ER. Registered in England No. 7428363. www.old.ascotwm.com Unless otherwise stated, the information in this document was valid on 3rd February 2017. Not all the services and investments described are regulated by the Financial Conduct Authority (FCA). Tax, trust and company administration services are not authorised and regulated by the Financial Conduct Authority. The services described may not be suitable for all and you should seek appropriate advice. This document is not intended as an offer or solicitation for the purpose or sale of any financial instrument by Ascot Wealth Management Limited. The information and opinions expressed herein are considered valid at publication, but are subject to change without notice and their accuracy and completeness cannot be guaranteed. No part of this document may be reproduced in any manner without prior permission. © 2017 Ascot Wealth Management Ltd. Please note: This website uses cookies. To continue to use this website, you are giving consent to cookies being used. 

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Tax tips with AWM: Maximising your ISA allowance



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Tax tips with AWM: Maximising your ISA allowance

Tax-Year-End (5 APRIL) is approaching FAST and its time to take full advantage of all those tax benefits and allowances, that not many people utilise.

This is Tip #3 of the blog series with the main topic of Pre-Tax-Year-End tax planning. If you missed Tip #1 and Tip #2 on Venture Capital Trusts and Enterprise Investment Schemes, check out the AWM blog. 

These tips are to help make sure that you best utilise your Tax-Year-End options and this week we focus on Maximising Your Allowances*

Maximise Your ISA Allowance

The maximum you can contribute to an ISA this tax year is £20,000. This is a very tax-efficient investment vehicle so please contact us if you want to discuss making further contributions or finding out if you still have any allowance remaining. Remember that if you don’t use the allowance now, you will lose it!
 As part of the £20,000 ISA allowance, it’s also possible to invest up to £4,000 in a lifetime ISA which receives an annual government bonus of up to £1,000 a year. Under-18s or those who wish to save on behalf of a minor can put up to £4,368 into a junior ISA. 

Maximise Your Gifting Allowance

Everyone is able to gift £3,000 to someone and it will be immediately outside of your estate for inheritance tax. You can top this up to £6,000 if you didn’t use the allowance in the previous tax year too.

Top-Up Your Pension

Another way to reduce tax and at the same time boost your retirement pot is to make sure you use up your entire annual pension allowance, which is currently £40,000.  

Questions you have about optimising your pension contributions:

  • Do you have unused allowances from previous tax years which expires soon and may be utilised?
  • Have you reviewed your pension contributions?
  • Should you pay more into your pension?
  • Are you aware of the potential inheritance tax benefits of maximising your pension fund?

Once you earn more than £150,000, your annual allowance starts to fall, known as the ‘tapered annual allowance’. The tapered allowance applies if your ‘adjusted income’ is more than £150,000. Adjusted income is your total taxable income – so salary, dividends, rental income, savings interest, plus employer contributions. If your total adjusted income is between £150,000 and £210,000, you lose £1 of annual allowance (starting at £40,000) for every £2 of adjusted income. Once your income reaches £210,000, you’ll be left with an annual allowance of £10,000.

If your total pension savings exceed the lifetime allowance of £1.055 million in 2019/20, you may be liable to tax when you draw benefits.

Capital Gains Allowance

Everyone has a Capital Gains Tax allowance of £12,000 in this tax year. You can deliberately create a gain on an investment to use the allowance, so that when the investment is finally encashed you may not have any Capital Gains Tax to pay.

*utilising these allowances are provider timeline dependent.


CONTACT US

Ascot Wealth Management Limited is authorised and regulated by the Financial Conduct Authority reference 551744. Our registered office: Scotch Corner, London Road, Sunningdale, Ascot, Berkshire, SL5 0ER. Registered in England No. 7428363. www.old.ascotwm.com Unless otherwise stated, the information in this document was valid on 3rd February 2017. Not all the services and investments described are regulated by the Financial Conduct Authority (FCA). Tax, trust and company administration services are not authorised and regulated by the Financial Conduct Authority. The services described may not be suitable for all and you should seek appropriate advice. This document is not intended as an offer or solicitation for the purpose or sale of any financial instrument by Ascot Wealth Management Limited. The information and opinions expressed herein are considered valid at publication, but are subject to change without notice and their accuracy and completeness cannot be guaranteed. No part of this document may be reproduced in any manner without prior permission. © 2017 Ascot Wealth Management Ltd. Please note: This website uses cookies. To continue to use this website, you are giving consent to cookies being used. 

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Tax Time with AWM: EIS



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Tax Time with AWM: EIS

Tax-Year-End is approaching and its time to take full advantage of all those tax benefits, that not many people seem to know about.

This is Tip #2 of the blog series with the main topic of Pre-Tax-Year-End tax planning. If you missed Tip #1 on Venture Capital Trusts, head over to the AWM blog. 

These tips are to help make sure that you best utilise your Tax-Year-End options and today we focus on Enterprise Investment Schemes (EIS).

What is EIS?

Introduced in 1994, the Enterprise Investment Scheme (EIS) is a UK government scheme designed to encourage investment in small or medium sized companies. They do this by offering tax reliefs to individual investors who buy new shares in these smaller companies.

An individual can invest anything up to £1 million (or £2 million given at least £1 million is invested in Knowledge-intensive businesses) per tax year for tax relief.

To access an EIS an investor needs to invest in the shares of a small, unlisted company. Small means 250 employees or less, and maximum gross assets of £15 million (before the investment). Unlisted means that the company is not listed on a major stock market.

Investing in small companies is generally riskier than buying shares in large companies. However, small companies can grow very quickly.

The Different Types

  • There are two approaches an investor can access EIS investment:1. Direct/Single EIS Company
    An investor can invest directly in EIS qualifying companies and can choose which companies to invest in. These types of opportunities are more suitable for sophisticated investors who have good knowledge and expertise to assess and understand the companies they invest in.

    2.EIS Fund/Portfolio
    Most of the offers in the EIS space are in the form of an EIS fund or portfolio service provided by EIS investment managers who have the expertise to source and assess deals and build a portfolio of multiple EIS companies for clients on a discretionary basis. Through investing in an EIS fund or portfolio, you can benefit from the fund manager’s experience and expertise of deal picking and at the same time achieve a level of diversification within the portfolio.

AWM’s Recommendations

AWM has a dedicated investment team researching investment offers in the whole of market. We have a rigorous selection process in place, aiming to find the best EIS offers in the market for our clients. If you would like to hear more about your options please contact us by clicking below.

Important Facts

It’s important to note that Enterprise Investment Schemes are not a viable option for everyone. We cannot guarantee the investment will take place to accommodate the 2019/2020 Tax-Year-End.

Ascot Wealth Management will only recommend individuals to invest in EIS qualifying companies after undertaking enhanced due diligence on the individual and ensuring they are suitable for the recommendation, this includes a High Net Worth Suitability Assessment. The general risks associated with EIS investment has been listed below which will apply for all EIS. There would also be deal-specific/sector-specific risks in EIS offers that need to be further considered at the specific EIS fund level or on a deal by deal basis.

Please click below to find out more about the potential risks of EIS or chat with one of our advisers to find out what the most viable option is for your personal situation.

*utilising these allowances are provider timeline dependent.


Potential Risks


CONTACT US

Ascot Wealth Management Limited is authorised and regulated by the Financial Conduct Authority reference 551744. Our registered office: Scotch Corner, London Road, Sunningdale, Ascot, Berkshire, SL5 0ER. Registered in England No. 7428363. www.old.ascotwm.com Unless otherwise stated, the information in this document was valid on 3rd February 2017. Not all the services and investments described are regulated by the Financial Conduct Authority (FCA). Tax, trust and company administration services are not authorised and regulated by the Financial Conduct Authority. The services described may not be suitable for all and you should seek appropriate advice. This document is not intended as an offer or solicitation for the purpose or sale of any financial instrument by Ascot Wealth Management Limited. The information and opinions expressed herein are considered valid at publication, but are subject to change without notice and their accuracy and completeness cannot be guaranteed. No part of this document may be reproduced in any manner without prior permission. © 2017 Ascot Wealth Management Ltd. Please note: This website uses cookies. To continue to use this website, you are giving consent to cookies being used.