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Risk Warnings

InTime Financial Planning FCA Risk Warnings

There are mandatory Risk Warnings related to our services which we would like to make you aware of in line with requirements from the Financial Conduct Authority – these are as follows:


Cashflow, Tax planning or estate planning

  • The Financial Conduct Authority does not regulate some aspects of Trust, Tax and Estate Planning

  • Please note that the Financial Conduct Authority (FCA) does not regulate some aspects of cash flow, estate or tax planning or trust advice.

  • The Financial Conduct Authority does not regulate Cashflow Planning.


  • A pension is a long-term investment and the value is not guaranteed. Any advice or considerations are personal to each individual’s circumstances.

  • A pension is a long-term investment, the value of your investment and the income from it may go down as well as up. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation. [where ‘investment’ is mentioned]

  • Your pension income could also be affected by the interest rates at the time you take your benefits. The tax implications of pension withdrawals will be based on your individual circumstances, tax legislation and regulation which are subject to change in the future.

  • Advice on auto enrolment pensions is not regulated by the financial conduct authority.


  • The value of investments may go down as well as up and you may get back less than you invest

  • An investment in a Stocks & Shares ISA will not provide the same security of capital associated with a Cash ISA.

  • The favorable tax treatment of ISAs may be subject to changes in legislation in the future

  • The levels and bases of taxation, and reliefs from taxation, can change at any time.

  • The value of any tax relief depends on individual circumstances.

  • Investing in shares should be regarded as a long-term investment and should fit in with your overall attitude to risk and financial circumstances 


  • Cover will cease on insurance products if premium payments are not maintained.

  • Generally, these plans have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse.

  • The definitions vary between product providers and will be described in the key features and policy document, if you go ahead with the plan.

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