Risk Warnings


Every attempt is made to ensure the accuracy of the information on this website; however no responsibility is accepted for any inaccuracy. We are not responsible for the content of any third party websites linked to this site.

The information on this website is not advice. Similarly, the articles in the News section are not personal advice based on your circumstances. If you are unsure about the suitability of an investment please contact one of our financial advisers for advice.

Articles on this site are correct at the time of publishing. However, tax, investments and pension rules can change over time, so the information on older articles in the News section may not be current. For the latest information, talk to a Kellands adviser.

The investments and/or services referred to may not be suitable for all investors. If you are unsure of the suitability of any investment or service, you should contact one of our financial advisers for advice.


Please be aware that the value of investments linked to the stock market and the income from them, may rise or fall depending on market conditions and that you may not always recoup your initial investment. In addition past performance should not be seen as an indication of future returns.


Pension investment funds and the income from them may fluctuate and can fall as well as rise.  Eventual retirement income will depend on the size and value of your pension pot, future interest rates and tax legislation. Tax treatment is dependent upon individual circumstances and may be subject to change in future.


All loans are subject to a credit search, valuation and in some cases status enquiries by the lender. Your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it.


Taxation reliefs, levels and bases can change in the future and the contents of this website refer to our understanding of current taxation legislation.

Tax is dependent on your own personal situation and circumstances and is subject to change based on UK legislation and taxation regime.