Terms of use


Terms of use

Robert Bruce Financial Planning is a trading style of Robert Bruce Associates Ltd which is authorised and regulated by the Financial Conduct Authority (FCA).

Registered Office: 73 St. Leonards Road Northampton Northants NN4 8DN

Registered in England Number: 07749126

Robert Bruce Financial Planning is authorised and regulated by the Financial Conduct Authority (FCA) in the conduct of investment business with firm reference number: 610277. Tax advice which contains no investment element is not regulated by the FCA. By accessing these pages, you shall be deemed to have accepted, and agreed to be bound, by the terms of these legal notices which shall be governed by the Law of England.

Risk warnings

The pages on this site have been prepared by Robert Bruce Financial Planning for the general interest of readers. Nothing herein constitutes advice to undertake a transaction, and professional advice should be taken on specific issues and before any course of action is pursued. The value of any investment and the income from it is not guaranteed and can fall as well as rise, so that you may not realise the amount originally invested. If we select or recommend a particular investment strategy or model for one client, it does not imply that it is suitable for any other client. Neither past performance nor forecasts are reliable indicators of future performance.

Segregated portfolios may include individual investments in structured products, foreign currencies and funds (including funds not regulated by the FCA) which may individually have a relatively high-risk profile. They may specifically include hedge funds, property funds, private equity funds and other funds which may have limited liquidity. While we aim to follow a disciplined model portfolio approach, any individual portfolio is unlikely to be identical to that of the relevant model portfolio as a result of (inter alia) the time of commencement of the portfolio, the precise mandate or risk profile you may have given us (including any investment preferences and/or restrictions), tax constraints, the tax status of any investment vehicles used, and the availability of certain funds or other investments.

Restricted advice

We offer restricted advice, as defined by the FCA, which means that that if we recommend a solution it will be from one of Robert Bruce Financial Planning product providers. If, based on your personal circumstances, it is appropriate for us to advise on pensions or other products outside an investment management relationship, we will recommend products chosen from a limited selection of providers that we have selected on the basis of our belief in their quality of service, investor protection, financial strength and, if relevant, their financial performance.


The pages on this site are prepared and issued in the United Kingdom and are intended for the information of United Kingdom residents only. In particular, the information on this site is not for distribution and does not constitute an offer to sell or the solicitation of any offer to buy any securities.


While Robert Bruce Financial Planning has taken all reasonable care to ensure that the information contained within the pages of this site is accurate and complies with the relevant United Kingdom legislation and regulations as at the date of issue, no liability can be accepted for any errors or omissions, or for this information becoming out of date. Robert Bruce Financial Planning is a UK based company and not affiliated with any other investment or wealth management company with a similar name. Robert Bruce Financial Planning accepts no responsibility for information contained in any other sites which can be accessed by hypertext link from these pages or for these sites not being available at all times. Please note that when you click on any external site hypertext link, you will leave the Robert Bruce Financial Planning site with its associated regulatory protections. Robert Bruce Financial Planning reserves the right to suspend or withdraw access to the pages of this site without notice at any time and accepts no responsibility for these pages not being available at all times.

Data Protection

We take your privacy seriously and we are committed to collecting and using your information fairly and in accordance with the requirements of the General Data Protection Regulation. Details about how we collect and use your personal information can be found in our Privacy Notice.

Copyright and trademark

Copyright 2019 Robert Bruce Financial Planning. All rights reserved. Copyright in the pages of this site, in the screens displaying the pages and in the information and material contained therein and their arrangement is owned by Robert Bruce Financial Planning, unless otherwise indicated. Reproduction of these pages in whole or in part without the prior written consent of Robert Bruce Financial Planning is strictly prohibited unless for private, non-commercial viewing purposes.


Please note there is no guarantee that any email sent will be received by us, or that the contents of any such email will remain private during internet transmission. If you have any such concerns, you may prefer to telephone or write to us instead.


Please note that any content and associated formats is downloaded at your risk. Robert Bruce Financial Planning does not warrant the suitability of any such content items which is downloaded and accepts no liability for any problems with your computer which may arise as a result. If you are in any doubt as to the suitability of downloaded content for your computer, it is recommended that you obtain specialist advice before downloading.

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