The general financial planning guidance provided in this website is based on our understanding of current law and HM Revenue & Customs practice, which are subject to change in the future. Whilst every effort has been made to ensure the content of this website is correct, it does not constitute personal financial advice and Keyte Ltd cannot accept any responsibility for it.

There is a risk that investment returns may not achieve the desired result. Investments can go down as well as up. Keyte Ltd is authorised and regulated by the Financial Conduct Authority. The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients.

Full details of the FOS can be found on its website at