Intended audience

This website is intended for fellow financial professionals in order to share my views, prompt peer debate and promote my business to business services. The information should not be relied upon by the wider public and is not intended to be financial advice.

The information provided is based on my current understanding of the relevant legislation and regulations and may be subject to alteration as a result of changes in legislation or practice. Also it may not reflect the options available under a specific product which may not be as wide as legislations and regulations allow.

All references to taxation are based on our understanding of current taxation law and practice and may be affected by future changes in legislation and individual client circumstances.

You should therefore not rely on this content for use with clients.

Cookie and privacy policy

 Privacy, Data Access, Licensing & Copyright, Cookies and Social Media policies



Wealth Analyst does not request any personal information unless you want to leave a comment, be notified when a new article is published or send me a message.

 Leaving a Comment on an article

By leaving a comment, you accept:

  • that it will be published at the bottom of the article;
  • that I may use information from your comment in later research;
  • that I may also use it in other articles on an anonymous basis where you cannot be identified.

The ‘Name’ field is published, so consider using just your first name or an alias if your comment contains sensitive information.  If you accidentally used your full name, please leave another comment asking me to delete your surname.

The ‘Email Address’ is not published and I do not verify email addresses.

I can see your IP address when you leave a comment. This is not published. It helps me tell when someone is posting multiple comments; it may sometimes help me to identify trolls, and it can indicate if someone is posting from outside the UK.

It is my decision whether or not to post comments, whether to edit them, or remove them entirely.

 Subscribing to Wealth Analyst

If you subscribe to my regular viewpoints, or download any free guides you will receive a newsletter style email, no more often than once per month.

The content is produced irregularly and there is no commitment to contact you over this period. My commitment is to not email you any more regularly than once per month.

If you no longer wish to receive these, at the bottom of each email there is an Unsubscribe option which will delete your email address from the subscription list.

 Data Storage and Mailing list

I will retain your email address and full name when you sign up to the blog/newsletter. You need to also be aware that this data will be accessed outside of the UK, most often within other countries within the EU. On occasion, it may also be accessed outside of the EU. As the data is personally managed by me, I require access to it wherever I happen to be in the worldYou are granting me permission to do this so please contact me if you do not want this and I can remove you from the list.

 Accessing your data (Subject Access Request)

If you want to see a copy of the information I hold about you, you are entitled to do this under section 7 of the Data Protection Act. To request this, please me email at with “SAR” in the title.

Please specify the Name and Email address you used so I can locate your information. The law permits me one calendar month to respond to a Subject Access Request.

The email needs to come from the email address you used, so I can be sure that I am not sending personal data to the wrong person.

If you no longer have access to the email account you used, you can email me from a different account but you will need to specify the email address you used or I will not be able to locate the information. I will only send you this information if you used your first name and surname on the data and if you provide me with proof of your identity such as a photograph of your passport or driving license to confirm this name.

 Other Sites

Wealth Analyst contains many links to outside sites. I am not responsible for the privacy policies and practices of these sites. If you arrived at Wealth Analyst from a third-party site, I am not responsible for the privacy policies and practices of the owners or operators of that third-party site. You must check the policy of each site you visit and contact it if you have concerns or questions.

 Licensing & Copyright

Wealth Analyst name and logo are trademarked. The name and logo can only be used with my express written permission. Legal action will be taken against anyone who breaches this copyright.

I have copyright over all the text in the articles other than where a text has been reproduced, such as re blogging. Where I do not have copyright over such posts, this will be clearly marked as to where the text has come from.

  • If you are a non-commercial organisation, you may quote small pieces from an article (but not reprint whole articles) freely if you credit me appropriately, see Creative Commons Attribution-NonCommercial-NoDerivs for details. If you are unsure please contact me – and I will probably be happy to share what you are producing.
  • If you are a commercial organisation, please contact me.
  • The pictures on Wealth Analyst come from a wide variety of sources. Most of them come from the excellent and interesting free photography produced at Most of my photos have no copyright restrictions but some of them do. If you want to use a picture in an article you are writing, please contact me. You can share any pictures on Social Media, Professional Forums or elsewhere if you link back to the relevant Wealth Analyst page.

This site uses cookies – small text files that are placed on your machine to help the site provide a better user experience. In general, cookies are used to retain user preferences, store information for things like shopping carts, and provide anonymised tracking data to third party applications like Google Analytics.

There is no advertising on this website so no advertising cookies are used. However, I will track the conversion statistics of users visiting the website from my own advertisements (ads placed on Google Search and Linkedin etc. who are then directed to my website).

As a rule, cookies will make your browsing experience better. However, you may prefer to disable cookies on this site and on others. The most effective way to do this is to disable cookies in your browser. We suggest consulting the Help section of your browser or taking a look at the About Cookies website which offers guidance for all modern browsers.

On some pages, there may be ‘embedded content’ from another site such as a YouTube video, Twitter or Infogram. These sites may set their own cookies.

 Social Media

Wealth Analyst uses the following social media sites to complement the website and to connect with peers and other professionals:

Wealth Analyst follows people of interest. This is, in the main those who are active in the financial planning, financial advice, paraplanning, investment and personal finance field. Social media is used to:

  • Share my recent Viewpoints on financial planning, financial advice, investment and paraplanning.
  • Promote Wealth Analyst website and services.
  • Exchange ideas about our profession.
  • Pass on information from relevant individuals and bodies in the same area of work.

Wealth Analyst may not respond to your tweets, but will always try and respond to emails, comments on the blog and messages. Social Media responses will not be provided within any set timescales although if someone is to receive a reply it is usually within 48 hours and mostly within 24. If you want to contact me, it is best to email me directly at

Wealth Analyst will sometimes link or refer people to other sites and is not responsible for the content on any other site and neither the site nor content is endorsed.

The content I provide is solely for the use of fellow financial services professionals. It is not intended for use by the general public.

For details about the services I can provide, please see

If you have any queries or concerns, please contact me at

Thank you