Financial Health Check of Investments

Dated: January 2005

Whilst investment markets have re-bounded and the outlook looks brighter it is important not to get too complacent. You still need to review your plans from time to time to ensure the investments you currently hold continue to appreciate for your future needs.

There have been a number of changes within the financial services industry over the last few years. Whilst we are constantly conducting "internal reviews" of the investments you have, and will contact you if major issues arise, regular contact is also important to allow us to assess whether your personal circumstances and objectives have changed.

Some of the investments and strategies that we were recommending 3 to 4 years ago may no longer be appropriate as they once were. Therefore, we recommend that if you haven't spoken to us within the last 12 months, or you would like to discuss your investments or plans now that markets have improved, you should contact us to arrange an appointment.

The purpose of this appointment will be to review your current investments and strategies to ensure they are still suitable for 2005. This review process is part of our ongoing service, so we encourage you to contact us if you have any questions in relation to your existing investments.

There is no charge for this financial health check of your investments.