Nothing on this site should be construed as financial advice. chartered-adviser.com carries information for informational purposes only, which should not be construed as advice. No action should be taken based upon any information contained within this site. You should seek independent professional advice from a person who is licensed and/or knowledgeable in the applicable area before acting upon any opinion, advice, or information contained within this site. Russell Hammond is a Chartered Financial Planner regulated by the UK Financial Conduct Authority, under reference RJH01348, as an approved individual via AES Financial Services LTD which is authorised and regulated by the UK Financial Conduct Authority (FCA) under reference 464494. Nothing in this site should be considered as being approved, or endorsed by AES Financial Services LTD or any other financial services firm.