Looking to re-mortgage in 2023?

Looking to re-mortgage in 2023?

by | Jan 19, 2023 | Managing Risk, Market Updates

LOOKING TO

RE-MORTGAGE IN 2023?

25

January, 2023

Is your fixed rate mortgage term ending in 2023. You’re not alone. Around 1.4million households are set to renew their home loans this year1.

Yet it will be a very different experience doing so in 2023.

Previously, the process of remortgaging was largely a case of finding a cheap deal – of which there were plenty – and signing on the dotted line. Thanks to rising interest rates, mortgages are now much more expensive making finding an affordable loan a far more challenging process.

An official forecast previously estimated that interest rates on home loans will triple for more than 800,000 households this year2 .

Some 57% of borrowers have been paying back their mortgage in the past five years at a fixed interest rate of 2%, but the ONS said for 800,000 homeowners they will need to repay at a rate of 5% this year, resulting in many being pushed into serious hardship3.

In fact, a warning came from the Financial Conduct Authority (FCA) this month that more than 750,000 households are at risk of defaulting on their mortgages over the next two years, as escalating borrowing costs make repayments unsustainable4.

The average person, however, will pay £250 a month more on their new fixed rate deal5. With the unavoidable certainty that everyone will start paying more when their existing mortgage runs out this year, it’s more important than ever to find the best value mortgage available to you.

Choosing your next mortgage

First you need to work out whether you would be better off with a fixed rate or a variable rate. Your decision will largely hinge on your current and future affordability.

A fixed rate is the answer if you want peace of mind that your monthly repayments won’t budge during the next few years – you then need to decide how long you might fix for.

While most borrowers have opted for two-year and five-year fixes over the past decade, anyone who thinks they are unlikely to move any time soon could save in the longer term with a 10-year fixed rate.

Locking in for long periods can be prudent from a budgeting perspective, but if rates drop in the future, you could miss out on cheaper deals.

Think about your circumstances and crunch the numbers. It’s also important to factor in the cost of arrangement fees with a new mortgage, which can run into thousands.

Those willing to gamble on what interest rates might do from here might pick a variable rate. Even with the base rate set to rise again next month – and could keep increasing – you could still be better off than with an expensive fixed rate.

Plus, variable deals also typically have no early repayment charge (exit penalty), so if fixed rates fell, you could swap and fix your payments without a fee to pay.

An alternative is to allow your existing deal to expire and pay your lender’s standard variable rate (SVR) while you wait for fixed rates to fall to a more affordable level. The consensus is that mortgage rates will gradually decline throughout the year, even if interest rates go up.

However, the average SVR is currently around 6.64%6 and with rates forecast to keep rising in the short term, they will get more expensive. If you end up paying a high rate for longer than expected, you could negate any savings from fixed mortgages rates dropping.

Getting help

An independent mortgage adviser can look for the best home loan for you across the market and do all the number crunching to give you access to all your options and help decide what works best for you.

They can give you access to far more products than if you went direct to a lender and have access to exclusive deals not available to borrowers who don’t have an adviser.

Getting a professional on the case can also help enormously if you’re self-employed, have an irregular income, or for those on maternity leave with a temporary drop in income. Older borrowers might also face difficulty if their lender won’t lend to those beyond a certain age.

By approaching lenders they know to be flexible or helpful for such circumstances, your adviser can find the right mortgage.

Your home may be repossessed if you do not keep up repayments on a mortgage.

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PROVIDING NEWS AND VIEWS TO SUIT ALL NEEDS

This Blog is published and provided for informational purposes only. The information in the Blog constitutes the author’s own opinions. None of the information contained in the Blog constitutes a recommendation that any particular investment strategy is suitable for any specific person.

Tavistock Partners Limited is authorised and regulated by the Financial Conduct Authority. Tavistock Partners (UK) Limited is authorised and regulated by the Financial Conduct Authority. Tavistock Private Client Limited is authorised and regulated by the Financial Conduct Authority. The Tavistock Partnership Limited is authorised and regulated by the Financial Conduct Authority. Abacus Associates Financial Services is a trading style of Tavistock Partners (UK) Limited which is authorised and regulated by the Financial Conduct Authority. Duchy Independent Financial Advisers is a trading style of Tavistock Partners Limited which is authorised and regulated by the Financial Conduct Authority, All subsidiaries are wholly owned by Tavistock Investments Plc.

WHAT LIES AHEAD FOR INVESTORS IN 2023?

WHAT LIES AHEAD FOR INVESTORS IN 2023?

by | Jan 12, 2023 | General Investing, Planning

WHAT LIES AHEAD FOR INVESTORS IN 2023?

01

FEBRUARY, 2023

Last year was challenging for stock markets to say the least. In the UK, both bonds and equities fell in value – and there was the gilt market turmoil of September following the mini-Budget.

Further afield, there are ongoing difficulties in Europe, the US and Asia, not to mention Russia’s invasion of Ukraine. As well as causing much death and destruction, it triggered a disruption of the energy markets, as the West has scrambled to take Russian oil, gas and coal out of its supply chains.

Investors will be wondering what lies ahead for the next 12 months. Here’s what you need to think about for your investments this year:

A cautious outlook for 2023 would be prudent. It’s not likely to be an easy year, with several risks to overcome including inflation remaining high and rising interest rates adding financial pressure on those with mortgages.

When it comes to choosing equities in volatile times such as these, you might want to think about defensive stocks and sectors, such as healthcare and utilities that should be able to better weather the turbulent economic conditions ahead. The idea is that people will still buy their medicine and heat their homes, irrespective of wider economic conditions.

High quality companies that pay a dividend are another consideration in a high inflation and rising interest rate environment.

Companies that have the potential to pay out significant dividends — a share in the profits — to shareholders can help achieve a real return.

Government bond and high-quality corporate bonds are also attractive at times like these. The theory is that Governments and companies that fit into this bracket will be able to withstand difficult economic conditions and continue to meet their obligations to investors.

Gold also remains an effective hedge against inflation and any stock market slump.

In times of volatility remember that the fundamentals of investing still apply.

Here are five investment strategies that can help you through uncertain times:

MAINTAIN A REGULAR INVESTMENT HABIT

It is very difficult to time buying (or selling) in any market. Investors are likely to be better off establishing a regular savings habit, drip-feeding money into investments. This ensures you benefit from pound-cost averaging — where you buy more shares in your investments when prices are low. When you start feeling jittery, remember that while you don’t want to lose too much as and when the markets fall, you don’t want to miss out on any rallies either.

DIVERSIFY

Diversification has always been key to a long-term investment process. Hold a mix of cash, fixed interest and shares spread across global markets – and let that comfort you in choppy markets.

AVOID TOO MUCH CASH

Cash carries risk as inflation can erode the purchasing power of your cash, making it a less attractive option over the long term.

HOLD YOUR NERVE

Even though investing during times of turmoil can be uncomfortable, it is said that the stock market rewards patient investors. Volatility is a normal part of the market, so don’t let it distract you from your existing strategy. Some of the worst performing days on the stock market have been followed by some of the very best.

REVIEW YOUR PORTFOLIO

Long-term investing doesn’t mean sit back and do nothing, however. Since markets and asset classes don’t all move neatly in line, over time your exposure to different investments is likely to change.

This could mean your portfolio could end up in a different risk category. If necessary, discuss with an adviser on how you might take steps to rebalance.

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PROVIDING NEWS AND VIEWS TO SUIT ALL NEEDS

This Blog is published and provided for informational purposes only. The information in the Blog constitutes the author’s own opinions. None of the information contained in the Blog constitutes a recommendation that any particular investment strategy is suitable for any specific person.

Tavistock Partners Limited is authorised and regulated by the Financial Conduct Authority. Tavistock Partners (UK) Limited is authorised and regulated by the Financial Conduct Authority. Tavistock Private Client Limited is authorised and regulated by the Financial Conduct Authority. The Tavistock Partnership Limited is authorised and regulated by the Financial Conduct Authority. Abacus Associates Financial Services is a trading style of Tavistock Partners (UK) Limited which is authorised and regulated by the Financial Conduct Authority. Duchy Independent Financial Advisers is a trading style of Tavistock Partners Limited which is authorised and regulated by the Financial Conduct Authority, All subsidiaries are wholly owned by Tavistock Investments Plc.

Keeping your finances on track in 2023

Keeping your finances on track in 2023

by | Jan 5, 2023 | Education, General Investing, Managing Risk, Uncategorized

KEEPING FINANCES ON TRACK IN 2023

04

January, 2023

A new year is an excellent opportunity to get on top of your money matters.

With the challenges presented by rising inflation, tax, and household outgoings, being in control of your finances is especially important.

Planning can help to keep you in control. Here’s our month-by-month guide to keeping finances in good shape.

JANUARY: BACK TO BASICS

Look at your income and expenditure using your bank statements and create a list of what goes in and what goes out. Think about how much you spend (aside from the essentials such as your mortgage and household bills) and where your money goes. Could you make savings?

If you find that unnecessary spending is a habit hard to kick, try the 30-day savings rule – take the money you were going to spend on an impulse buy and save it in a savings account instead for 30 days. But if you still want to buy that item after the 30-day period is up, go for it. Otherwise, the money stays in your savings. This idea is to help you overcome impulse spending and boost savings over time.

FEBRUARY: LOVE YOUR PLANET
Consider Investing For Good

More investors now want their money to help improve society, halt climate change or deliver greater diversity within businesses – as well as to make a decent financial return.

Many investment companies offer the opportunity for people to invest in companies that have a strong track record on environmental, social and governance issues – known as ESG investing.

There are funds which specifically back companies within the renewable energy infrastructure sector, such as solar or wind, are often popular. Though you can also invest in companies benefitting from the rise of electric vehicles. Alternatively there are broad funds which ensure all holdings hold sustainability or ESG matters at the forefront of their business.

Investors can also choose an impact investment fund. These funds only back companies that create a product or service that has a positive measurable social and or environmental impact.

MARCH: `
Brace Yourself For Tax Changes And Bigger Energy Bills

Chancellor Jeremy Hunt will set out a Spring Budget on March 15, which could bring new tax measures. One to watch.

Meanwhile, the Energy Bills Support Scheme, which has provided a £400 non-repayable discount to eligible households to help with their energy bills over the winter, will end this month. Payments have been made monthly since October, with the last being paid in March.

APRIL: USE TAX ALLOWANCES

There are plenty of tax breaks available to UK taxpayers so make sure you maximise them before the end of the tax year (April 5).

Utilise your ISA £20,000 allowance and make sure any shares held are done so within the ISA wrapper. If you don’t use your allowance, you lose it.

Make sure you’re paying as much as you can afford into a pension – the tax breaks are unrivalled with tax relief on contributions at your marginal rate of income tax.

The new tax year begins on April 6, which refreshes your allowances. Early bird ISA investors can benefit from having money invested, as potential growth over the next 12 months could provide a valuable boost to your portfolio.

MAY: USE BANK HOLIDAYS WISELY

With plenty of Bank Holidays this month – including an extra one for the Coronation of King Charles III – you could use some of the time to clear out your cupboards. By selling stuff you no longer need or want, you can even make a profit to put towards rising bills, debts or family fun.

Equally you could put it into your ISA to boost your savings.

You can turn everything from clothes to computer games, toys and furniture into cash. Use free online services such as Gumtree or Facebook Marketplace or Music Magpie and WeBuyBooks for books, CDs and video games. With eBay, look out for weekends with low fees for listings. If you’re selling clothes you could try Depop or Vinted.

JUNE: ENSURE SAVVY SPENDING ABROAD

If you have a summer holiday coming up, make sure you don’t get stung on charges for using credit and debit cards abroad. Every time you tap your card at the local taverna or supermarket you’ll pay a fee of around 3% on top of what you spend. This can add hundreds of pounds to a two-week break. Plan ahead by applying for a credit card or prepaid card that has zero fees on foreign transactions. Check moneyfacts.co.uk for a list of available fee-free cards.

JULY: SPEND LOYALTY POINTS

Check the points you have built up on loyalty cards. You might have more than usual from supermarket schemes since you’ll have been spending more on your weekly shop since the beginning of the cost of living crisis. If you’re tempted to redeem vouchers at the checkout, remember that supermarket schemes can be far better value if you trade your points for vouchers for days out or experiences which could be handy for entertaining the family over the summer.

AUGUST: SET SAVINGS GOALS

Use the quieter summer months to check your savings habit as you can get to set in your ways and save the same amount each month for years on end. Review the amount you save and boost monthly payments as your earnings increase – as long as you can afford it. If you really want to boost your savings habit, it will help to set yourself some goals. Once you hit a milestone, it will be worth it.

SEPTEMBER: CONSIDER VCTs*

If you’re looking for greater tax savings than ISAs and pensions, Venture Capital Trusts (VCTs) offer investors attractive tax breaks in return for backing fledgling UK firms, which are by nature, high risk. The fundraising season for VCT companies generally starts around September time which means this is a popular time of year to explore what’s available. VCTs, have a generous allowance of £200,000 a year – compared to £20,000 for ISAs and £40,000 for pensions. For every pound you invest in a VCT you can get up to 30p back in tax relief. There’s tax-free capital gains and dividends – reinvested dividends qualify for tax relief too. You can claim to £60,000 back in tax – although you cannot claim back more tax than you owe. To qualify for the tax break you must hold the investment for at least five years.

* The value of an investment, and income from it can fall as well as rise. Investors could end up getting back less than they put in. Tax treatment depends on individual circumstances and tax rules could change in the future. VCTs are only suitable for UK resident taxpayers who can tolerate higher risk and have a time horizon of greater than five years.  It is not suitable for all investors and it is recommended you get professional independent financial advice before investing in a VCT.

OCTOBER: MAKE A WILL

It’s not a cheery prospect but making a Will is really important. October is Free Wills Month where some solicitors offer a free Will-writing service to promote the importance of making some important decisions and getting them on paper. When a person dies without leaving a valid Will, their assets are distributed according to the law, which may not tally with your wishes. The average cost of using a solicitor to draw up a Will starts at around £150. Find a solicitor through The Law Society at solicitors.lawsociety.org.uk.

NOVEMBER: BEWARE BLACK FRIDAY

Take care not to get caught up in the Black Friday spending frenzy. Often the promotions on Black Friday aren’t genuine anyway. Consumer group Which?1 claims that only one in seven (15%) deals on Black Friday offer a genuine discount. It found that 86% of deals were actually cheaper or the same as their Black Friday price in the six months before the sales event and 98% were cheaper or the same price at other times in the year. None were cheaper on Black Friday alone.

DECEMBER: KEEP A LID ON SPENDING

Whatever your household income, make sure you take time to work out how much you can afford to spend over Christmas, write a list and stick to it. Track your expenses as you go to avoid busting your budget.

Before you buy, make sure you have a real bargain by checking prices against other retailers.

Websites such as Google Shopping as well as pricerunner.com, kelkoo.co.uk and pricespy.co.uk will help find the best price for the items you want. Remember, a discount is only worth having if the end purchase price is the lowest around.

PROVIDING NEWS AND VIEWS TO SUIT ALL NEEDS

This Blog is published and provided for informational purposes only. The information in the Blog constitutes the author’s own opinions. None of the information contained in the Blog constitutes a recommendation that any particular investment strategy is suitable for any specific person.

Tavistock Partners Limited is authorised and regulated by the Financial Conduct Authority. Tavistock Partners (UK) Limited is authorised and regulated by the Financial Conduct Authority. Tavistock Private Client Limited is authorised and regulated by the Financial Conduct Authority. The Tavistock Partnership Limited is authorised and regulated by the Financial Conduct Authority. Abacus Associates Financial Services is a trading style of Tavistock Partners (UK) Limited which is authorised and regulated by the Financial Conduct Authority. Duchy Independent Financial Advisers is a trading style of Tavistock Partners Limited which is authorised and regulated by the Financial Conduct Authority, All subsidiaries are wholly owned by Tavistock Investments Plc.

Cop27 and Sustainable Investing

Cop27 and Sustainable Investing

by | Nov 24, 2022 | Education, General Investing, Market Updates, Planning

Cop27 and Sustainable Investing

24

NOVEMBER, 2022

The Cop27 summit – the United Nations’ annual climate change get-together – has come to a close after much debate about how to solve the climate crises, mostly surrounding how to tackle stamping out dependency on fossil fuels.

Policymakers and world leaders gathered in Egypt to discuss how countries and industries can collaborate on climate action.

A historic agreement was made on a fund to compensate developing countries for losses and damage caused by the climate crisis.

There is to be a global fund for “loss and damage”, providing financial assistance to poor nations stricken by climate disaster.

Although many (developed) countries are facing prospects of recession, rising energy and food prices, and households struggling to cope with the cost-of-living crisis, it was highlighted that climate finance for developing countries shouldn’t slip.

Leaders failed to agree, however, on the necessary slashing of greenhouse gas emissions to keep the world at its 1.5C temperature goal.

The final Cop27 decision failed to call for the winding down of all fossil fuel use – the primary cause of the global climate crisis.

Last year during Cop26 in Glasgow, there was a major push to hold the world to its 1.5C (above pre-industrial levels) target. Yet cutting emissions and net zero targets are not within sight.

While countries promised to “revisit and strengthen” their 2030 climate plans by the end of 2022, only a limited number have done so.

Responding to the closure of the summit, Friends of the Earth described the outcome as a “disaster”, Oxfam said it was “deeply concerned” about the failure to agree fossil fuel reductions.

The next UN climate summit, Cop28, is being held in Dubai, where oil was first discovered 56 years ago, in 1966.

INVESTING FOR GOOD

If combatting climate change is something you feel passionate about, you might be interested to learn that how you invest your savings can help these causes – and more.

It’s possible to invest with the objective of “doing good”, whilst aiming for a financial return if you gear your ISA or pension portfolio towards responsible investing.

The amount of money pouring into responsible investments totalled £16 billion in 2021, up £4.3 billion on 20201.

Such investments typically include ESG funds – those which invest in a range of companies minded to good environmental, societal and governance practices.

Funds which specifically back companies within the renewable energy infrastructure sector, such as solar or wind, are often popular. Though you can also invest in companies benefitting from the rise of electric vehicles. Alternatively there are broad funds which ensure all holdings hold sustainability at the forefront of their business.

Investors can also choose an impact investment fund. These funds only back companies that create a product or service that has a positive measurable social and or environmental impact aligned to the UN Sustainable Development Goals, alongside a financial return.There’s no one-size fits all when it comes to responsible investing, as much comes down to personal choice and beliefs.

HOW CAN I INVEST MORE SUSTAINABLY

You can speak to a financial adviser about incorporating sustainable investing – whether that’s ESG or impact – into your investment portfolio. You’ll then be able to understand the options for investing for good.

When it comes to contributing to the all-important green transition, there’s no time like the present.

Sources:

[1] The Investment Association, February 2022

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PROVIDING NEWS AND VIEWS TO SUIT ALL NEEDS

This Blog is published and provided for informational purposes only. The information in the Blog constitutes the author’s own opinions. None of the information contained in the Blog constitutes a recommendation that any particular investment strategy is suitable for any specific person.

Tavistock Partners Limited is authorised and regulated by the Financial Conduct Authority. Tavistock Partners (UK) Limited is authorised and regulated by the Financial Conduct Authority. Tavistock Private Client Limited is authorised and regulated by the Financial Conduct Authority. The Tavistock Partnership Limited is authorised and regulated by the Financial Conduct Authority. Abacus Associates Financial Services is a trading style of Tavistock Partners (UK) Limited which is authorised and regulated by the Financial Conduct Authority. Duchy Independent Financial Advisers is a trading style of Tavistock Partners Limited which is authorised and regulated by the Financial Conduct Authority, All subsidiaries are wholly owned by Tavistock Investments Plc.

Need a mortgage?

Need a mortgage?

by | Sep 22, 2022 | Planning, Uncategorized

NEED A MORTGAGE?

TOP TIPS TO SECURING A HOME LOAN…

22

September, 2022

MORTGAGE

The prospect of buying a house for many buyers is looking increasingly daunting as house prices continue to soar and interest rates rise, making mortgages more expensive.

Here are 10 ways to make sure you secure the loan you need for the property you want.

SAVE THE BIGGEST DEPOSIT YOU CAN

Soaring property prices mean that bigger deposits must be saved. It’s possible to get a mortgage with just a 5% deposit but you’ll be looking at paying the highest bracket of interest rates and a smaller pool of lenders to choose from. Saving a 10% deposit will mean you’re eligible for lower rates. A deposit of 25% will help access even lower rates.

USE GOVERNMENT SAVINGS INCENTIVES

A Lifetime ISA was introduced to help savers build a deposit for a first home (or a nest egg for retirement). You can pay in up to £4,000 a year (which forms part of the £20,000 yearly allowance) and bank up to £1,000 in government top-ups. The money can be used to buy a first property worth up to £450,00.

Alternatively you can withdraw it from the age of 60 to boost your income in retirement. If you take the money for any other reason there’s a 25% exit penalty. You must be between 18 and 39 to open a Lifetime ISA which can be opened as a cash or stocks and shares account.

CONSULT THE BANK OF MUM AND DAD

Parents and grandparents have been an important lifeline for first-time buyers as well as those upgrading to a second home, perhaps to accommodate a growing family. Estate agency Savills put the Bank of Mum and Dad’s total lending at £9.8bn in 2021, and say it supported around half of all first-time buyer home purchases.

If family are not able to part with savings, however, they can still help. It’s possible to use the income to help offspring get a bigger mortgage or even be part of a family offset mortgage where savings deposited can be linked to the mortgage and reduce the amount of interest charged – and so reducing monthly repayments. A mortgage professional can help with the options.

STREAMLINE YOUR SPENDING

Lenders will go through around six month’s worth of statements and payslips to assess affordability. It would be smart to plan ahead and rein in your spending, though you might be doing this anyway while you save for a deposit if you’re a first-time buyer. Set aside time to go through your spending on direct debits and standing orders to spot anything lurking that you had forgotten about. Hanging onto gym memberships is a common trend among those who only manage to go a couple of times a year. You might spot a magazine subscription you have been meaning to cancel. Equally, avoid regular, large purchases and gambling transactions.

REDUCE DEBT

The actual amount you can borrow will also depend on debts and credit agreements you have. A student loan or car finance for example, would reduce the amount you can borrow, as will a credit card balance. If you do have credit card debt, make sure you are paying as little interest as possible – preferably none. School fees and child maintenance payments can also be included as “debt” so you may find you can borrow less than you think.

“Saving a 10% deposit will mean you’re eligible for lower rates. A deposit of 25% will help access even lower rates.”

AVOID APPLYNG FOR DEBT

Steer clear of applying for credit in the run up to applying for a mortgage – it could hurt your credit score and lead to a rejection to an application. If you need a new credit card, wait until you have your mortgage sorted.

CREDIT SCORE

It’s important to make sure your credit file will be squeaky clean in advance of making a mortgage application. Those who have borrowed money in the past and showed they can make repayments on time have more chance of making a successful application. But if you have a history of missed or skipped repayments, you need to demonstrate that you can be trusted to repay a mortgage. Even if you’re sure you’ve never skipped a payment – check your file. Many contain mistakes or a forgotten few pounds owed on an old credit card.

You could also have a blemish from owing just a few pence on an old mobile phone contract, which could cost you the mortgage you want. You can check your credit report – for free- from one of three main credit reference agencies – Equifax, Experian and TransUnion. It’s good practice to check all three as you can then have peace of mind that whichever one a lender uses, you’ve made sure it’s ship-shape. Alternatively use CheckMyFile’s free trial to check all three.

 

GET YOUR PAPERWORK IN ORDER

It makes sense to get your paperwork prepared in advance so you can be efficient when the time comes to place your application. Make sure you have statements downloaded that can be emailed – or printed. Get your payslips ready and your P60 tax form showing income and tax paid from each tax year. You will also need photo ID so get a copy of your passport, and for proof of address dig out recent utility bills.

LINE UP A MORTGAGE ADVISER

Using a broker means they take on much of the all-important legwork for you. They can help you work out how much you can borrow so that you know what price bracket you can search for properties in. They will also help you decipher the right type of mortgage for you. If you are self-employed or have any special circumstances, they can help find more flexible lenders for your situation.

GOT THE OFFER?

Once you’ve secured a mortgage offer, there’s no rush. They usually last for around six months which gives you time should there be any delays with moving. However, offers can be extended in special circumstances. For example, where you’re buying a new build property and construction is running late.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

 

PROVIDING NEWS AND VIEWS TO SUIT ALL NEEDS

This Blog is published and provided for informational purposes only. The information in the Blog constitutes the author’s own opinions. None of the information contained in the Blog constitutes a recommendation that any particular investment strategy is suitable for any specific person.

Tavistock Partners Limited is authorised and regulated by the Financial Conduct Authority. Tavistock Partners (UK) Limited is authorised and regulated by the Financial Conduct Authority. Tavistock Private Client Limited is authorised and regulated by the Financial Conduct Authority. The Tavistock Partnership Limited is authorised and regulated by the Financial Conduct Authority. Abacus Associates Financial Services is a trading style of Tavistock Partners (UK) Limited which is authorised and regulated by the Financial Conduct Authority. Duchy Independent Financial Advisers is a trading style of Tavistock Partners Limited which is authorised and regulated by the Financial Conduct Authority, All subsidiaries are wholly owned by Tavistock Investments Plc.

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