Disclosures

William James Financial Services Ltd’s permitted business is advising on and arranging pensions, savings, investment products and non-investment insurance contracts. You can check this on the FCA’s Register by visiting the FCA’s website www.fca.org.uk/register or by contacting the FCA, 12 Endeavour Square, London E20 1JN on 0800 111 6768.

We offer you an initial discussion (at our expense) at which we will describe our services more fully and explain the payment options. If you decide to go ahead, we will:

• Gather and analyse personal financial information about you and your needs and objectives

• Recommend and discuss any action we think you should take and, with your agreement, arrange relevant solutions for you.

Our services

We offer products and services as follows:

• Investments: we provide an independent advice service. We will make a recommendation for you after we have assessed your needs. All our recommendations are based on a comprehensive and fair analysis of the market

• Non-investment protection contracts: we advise on non-investment protection products, for example term assurance, income protection and critical illness, from a range of insurers.

Your aims and objectives

Any advice or recommendation that we offer to you will only be given after we have assessed your needs and considered your financial objectives and attitude to any risks that may be involved. We will also take into account any restrictions that you wish to place on the type of products you would be willing to consider.