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Disclosure

Professional Standards

We do not act as an agent for any financial product provider. We remove every conflict of interest that might prejudice our professional judgement. We do not receive commission. We do not charge for investing new funds. We teach clients how to safely undertake their own transactions, should they choose to. We do not use IFAs to represent us and pay no commission or introductory fee to any party. As Private Client Asset Managers we are not tied to any broker or private bank.

IWM is 'passported' to deliver investment advice in most countries in the EU.

IWM works with some clients who are based in the USA under SEC exemptions, but does not actively market in the USA or its territories.

Culture

We trust that each client knows what is best for him or her, and we respect that. However, where an individual pursues actions that we think will eventually be to their detriment, we pro-actively approach the client and express clearly our concern. We trust our clients to understand the boundaries of the level of annual service that they select.

Planning

Our style is present each wealth strategy and tactic on our courses so well it does not need to be repeated during a lifetime.

Tax

Where we offer tax advice, it is given within the professional rules of the Chartered Institute of Taxation. IWM is a firm of 'Chartered Tax Advisers'.

Asset Management

IWM is authorised and regulated by the Financial Conduct Authority for UK investment business. IWM is an 'independent' firm within the meaning of those rules. IWM holds MIFID permissions to meet and give 'investment advice' to individuals in many EU countries. The rules and regulations made by the FCA, the Financial Services and Markets Act 2000 for the protection of investors may not apply outside the UK. Such advice given within Jersey is permitted under the authority of an FSC exemption.

Guarantee of Satisfaction

We offer our guarantee of satisfaction on our stand-alone services. Upon the completion of a service, clients pay if they agreed they have experienced value for money.

VAT is charged if the customer is resident within the EU area.

Transactions

Should you decide to undertake investment transactions with a broker or bank, you will incur transaction costs, which you will pay directly to your broker, and which IWM is not party to. We do, however, make available our shortlist of brokers and private banks with whom we have negotiated discounts.

Compensation Scheme

WIM is a firm within the Financial Service Compensation Scheme in the UK. Cover from the scheme may be available on some of your existing investments, depending upon whether they were issued within the FCA's jurisdiction.

Independence Wealth Management Limited ('IWM') is a Limited Company registered in England No. 4508365, and is registered with the Financial Conduct Authority 223376. Registered office for administration: House of Owls Buryas Bridge Cornwall TR19 6AS Authorised and Regulated by the Financial Conduct Authority VAT Registered in the UK: 874 4080 13