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From: Tilney <tilney@updates.tilney.co.uk>
Date: Wed, 08 Nov 2017 13:30:44 +0000
Subject: The new edition of Financial Planning Matters
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Including pensions, leaving a charitable legacy and forecasting your f=
uture finances


Financial planning is all about helping you make the most of your mone=
y so you can live the life you want =E2=80=93 both now and in the futu=
re. You can find out more in the winter edition of our popular magazin=
e Financial Planning Matters.

This magazine features topical articles on subjects from pensions to w=
orking out how much money you=E2=80=99ll have in the future and leavin=
g money to charity. It also introduces some of our clients who are alr=
eady benefitting from financial planning and the people behind our ser=
vices.

Read the magazine ( http://updates.tilney.co.uk/378T-KMS4-54P2BF-AUX8P=
-0/c.aspx )



Inside the magazine

In this edition:

Leaving a charitable legacy and an inside look at how legacies support=
 the pioneering work of Great Ormond Street Hospital

An introduction to our Chief Investment Strategist Ben Seager-Scott

A close look at the lifetime allowance

How Tilney is helping clients with everything from making new memories=
 to selling a business

Read the magazine ( http://updates.tilney.co.uk/378T-KMS4-54P2BF-AUX8Q=
-0/c.aspx )

( http://updates.tilney.co.uk/378T-KMS4-54P2BF-AUX8R-0/c.aspx )



Get in touch

If any of the articles have sparked questions or you would just like a=
 conversation with one of our experts to find out if we could help you=
, please get in touch. You can reply to this email, call us on 020 718=
9 2400 or book an initial consultation ( http://updates.tilney.co.uk/3=
78T-KMS4-54P2BF-AUX8S-0/c.aspx ) on our website.



Connect with us

( http://updates.tilney.co.uk/378T-KMS4-54P2BF-AUX59-0/c.aspx )

( http://updates.tilney.co.uk/378T-KMS4-54P2BF-AUX5A-0/c.aspx )

( http://updates.tilney.co.uk/378T-KMS4-54P2BF-AUX5B-0/c.aspx )

Important Information

The value of investments, and the income derived from them, can go dow=
n as well as up and you can get back less than you originally invested=
. This email does not constitute personal advice. If you are in doubt =
as to the suitability of an investment please contact one of our advis=
ers. Past performance is not a guide to future performance.

Prevailing tax rates and reliefs are dependent on your individual circ=
umstances and are subject to change. Please note we do not provide tax=
 advice.

We hope you've found this message helpful. However, if you would prefe=
r not to receive future emails from Tilney simply unsubscribe http://u=
pdates.tilney.co.uk/378T-KMS4-E854P2BF2B/uns.aspx

17109800

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Tilney is a trading name for: Tilney Investment Management Services Lt=
d (Reg. No: 2830297), Tilney Discretionary Investment Management Ltd (=
Reg. No: 02519968), Tilney Investment Management (Reg. No: 02010520), =
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stinvest (Consultants) Ltd (Reg. No: 01550116) and HW Financial Servic=
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g electronically with us, you consent to these terms.

If you received this email in error, please accept our apology. We wou=
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Including pensions, leaving a charitable legacy and forecasting your f=
uture finances
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Financial planning is all about helping you make the most of your mone=
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re.  You can find out more in the winter edition of our popular magazi=
ne Financial Planning Matters.=20
<br>
 <br>
This magazine features topical articles on subjects from pensions to w=
orking out how much money you=E2=80=99ll have in the future and leavin=
g money to charity. It also introduces some of our clients who are alr=
eady benefitting from financial planning and the people behind our ser=
vices.
</p></div>
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ontainer" data-title=3D"1 column" style=3D"max-width: 100%;min-width: =
100%;position: relative;background-color: rgb(255, 255, 255);table-lay=
out: auto" width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D=
"0" align=3D"center" bgcolor=3D"rgb(255, 255, 255)"><tbody><tr><td cla=
ss=3D"row-inner f-size-0 col-inner element-pad" style=3D"font-family: =
Helvetica, Arial, sans-serif;font-size: 0;border-width: 0;padding: 0;p=
adding-top: 0px;padding-right: 20px;padding-bottom: 0px;padding-left: =
20px" valign=3D"top" align=3D"center"><!--[if mso]><table border=3D"0"=
 cellspacing=3D"0" cellpadding=3D"0" align=3D"center" style=3D"width:6=
20px;" width=3D"620" class=3D"mso-table-width"><tr><td align=3D"left" =
valign=3D"top" style=3D"width:620px;" width=3D"620" class=3D"mso-colum=
n-width"><![endif]--><!-- STACK COLUMN : BEGIN --><div class=3D"stack-=
column stack-column-width" ee-percent-width=3D"100" style=3D"display: =
inline-block;width: 100%;vertical-align: top;min-width: 100%;max-width=
: 620px"><table style=3D"table-layout: auto;" width=3D"100%" cellspaci=
ng=3D"0" cellpadding=3D"0" border=3D"0"><tbody><tr><td dir=3D"ltr" cla=
ss=3D"col-inner ee_dropzone" align=3D"left" style=3D"font-family: Helv=
etica, Arial, sans-serif;border-width: 0;padding: 0"><table class=3D"e=
e_element ee_spacer col-font-reset" ee-type=3D"element" data-title=3D"=
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e-layout: auto" width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" bor=
der=3D"0"><tbody><tr><td style=3D"font-family: Helvetica, Arial, sans-=
serif;font-size: 1px;line-height: 1px"><img src=3D"http://i.emlfiles4.=
com/cmpimg/t/s.gif" style=3D"display: block; width: 1px; height: 20px;=
" alt=3D"" class=3D"" height=3D"20" border=3D"0" width=3D"1"></td></tr=
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e-type=3D"container" data-title=3D"1 column" style=3D"max-width: 100%;=
min-width: 100%;position: relative;background-color: rgb(249, 246, 242=
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0" border=3D"0" align=3D"center" bgcolor=3D"rgb(249, 246, 242)">
                            <tbody>
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ner element-pad" style=3D"font-family: Helvetica, Arial, sans-serif;fo=
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0px;padding-bottom: 0px;padding-left: 0px" valign=3D"top" align=3D"cen=
ter">

                                <!--[if mso]>
                                <table border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" align=3D"center" style=3D"width:620px;" width=3D"620=
" class=3D"mso-table-width">
                                <tr>
                                <td align=3D"left" valign=3D"top" styl=
e=3D"width:620px;" width=3D"620" class=3D"mso-column-width">
                                <![endif]-->

                                <!-- STACK COLUMN : BEGIN -->
                                <div class=3D"stack-column stack-colum=
n-width" ee-percent-width=3D"100" style=3D"display: inline-block;width=
: 100%;vertical-align: top;min-width: 100%;max-width: 620px">
                                <table style=3D"table-layout: auto;" w=
idth=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0">
                                  <tbody>
                                    <tr>
                                      <td dir=3D"ltr" class=3D"col-inn=
er ee_dropzone" align=3D"left" style=3D"font-family: Helvetica, Arial,=
 sans-serif;border-width: 0;padding: 0"><table class=3D"ee_element ee_=
spacer col-font-reset" ee-type=3D"element" style=3D"font-size: 14px;te=
xt-align: left;min-width: 100%;background-color: rgb(249, 246, 242);ta=
ble-layout: auto" data-title=3D"Spacer" width=3D"100%" cellspacing=3D"=
0" cellpadding=3D"0" border=3D"0" bgcolor=3D"rgb(249, 246, 242)">
                            <tbody>
                              <tr>
                                <td style=3D"font-family: Helvetica, A=
rial, sans-serif;font-size: 1px;line-height: 1px">
                                <img src=3D"http://i.emlfiles4.com/cmp=
img/t/s.gif" style=3D"display: block; width: 1px; height: 20px;" alt=3D=
"" class=3D"" height=3D"20" border=3D"0" width=3D"1">
                                </td>
                              </tr>
                            </tbody>
                          </table><table class=3D"ee_element ee_textel=
ement col-font-reset" ee-type=3D"element" style=3D"font-size: 14px;tex=
t-align: left;min-width: 100%;table-layout: auto" data-title=3D"Text" =
width=3D"100%" cellspacing=3D"0" cellpadding=3D"0"><tbody><tr><td clas=
s=3D"element-pad element-bord" style=3D"font-family: Helvetica, Arial,=
 sans-serif;padding: 10px;border-width: 0;padding-top: 0px;padding-rig=
ht: 20px;padding-bottom: 0px;padding-left: 20px" valign=3D"top" align=3D=
"left"><div class=3D"ee_editable" style=3D"font-size: 14px;line-height=
: 22px;color: #3a3a3a"><p style=3D"word-wrap: break-word;word-break: b=
reak-word;Margin: 0;margin-bottom: 0px;margin-top: 0px;line-height: 32=
px;font-size: 26px;text-align: left;color: rgb(70, 70, 72)">
 <strong>Inside the magazine</strong>
</p></div></td></tr></tbody></table><table class=3D"ee_element ee_spac=
er col-font-reset" ee-type=3D"element" style=3D"font-size: 14px;text-a=
lign: left;min-width: 100%;background-color: rgb(249, 246, 242);table-=
layout: auto" data-title=3D"Spacer" width=3D"100%" cellspacing=3D"0" c=
ellpadding=3D"0" border=3D"0" bgcolor=3D"rgb(249, 246, 242)">
                            <tbody>
                              <tr>
                                <td style=3D"font-family: Helvetica, A=
rial, sans-serif;font-size: 1px;line-height: 1px">
                                <img src=3D"http://i.emlfiles4.com/cmp=
img/t/s.gif" style=3D"display: block; width: 1px; height: 20px;" alt=3D=
"" class=3D"" height=3D"20" border=3D"0" width=3D"1">
                                </td>
                              </tr>
                            </tbody>
                          </table>
                                      <table class=3D"row two-cols ee_=
columns ee_element" ee-type=3D"container" data-title=3D"2 columns" sty=
le=3D"max-width: 100%;min-width: 100%;position: relative;table-layout:=
 auto" width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0"=
 align=3D"center"><tbody><tr><td class=3D"row-inner f-size-0 col-inner=
 element-pad" dir=3D"ltr" valign=3D"top" align=3D"center" style=3D"fon=
t-family: Helvetica, Arial, sans-serif;font-size: 0;border-width: 0;pa=
dding: 0"><!--[if mso]><table border=3D"0" cellspacing=3D"0" cellpaddi=
ng=3D"0" align=3D"center" style=3D"width:620px;" width=3D"620" class=3D=
"mso-table-width"><tr><td align=3D"left" valign=3D"top" style=3D"width=
:372px;" width=3D"372" class=3D"mso-column-width"><![endif]--><!-- STA=
CK COLUMN : BEGIN --><div class=3D"stack-column stack-column-width" ee=
-percent-width=3D"60" style=3D"display: inline-block;width: 60%;vertic=
al-align: top;max-width: 60%;min-width: 100%"><table style=3D"table-la=
yout: auto;" width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=
=3D"0"><tbody><tr><td dir=3D"ltr" class=3D"col-inner ee_dropzone" alig=
n=3D"left" style=3D"font-family: Helvetica, Arial, sans-serif;border-w=
idth: 0;padding: 0"><table class=3D"ee_element ee_textelement col-font=
-reset" ee-type=3D"element" style=3D"font-size: 14px;text-align: left;=
min-width: 100%;table-layout: auto" data-title=3D"Text" width=3D"100%"=
 cellspacing=3D"0" cellpadding=3D"0">
                                        <tbody>
                                          <tr>
                                            <td class=3D"element-pad e=
lement-bord" style=3D"font-family: Helvetica, Arial, sans-serif;paddin=
g: 10px;border-width: 0;padding-top: 0px;padding-right: 20px;padding-b=
ottom: 0px;padding-left: 20px" valign=3D"top" align=3D"left">
                                            <div class=3D"ee_editable"=
 style=3D"font-size: 14px;line-height: 22px;color: #3a3a3a;position: s=
tatic"><p style=3D"word-wrap: break-word;word-break: break-word;Margin=
: 0;margin-bottom: 0px;margin-top: 0px;color: #7a7a7a;font-size: 14px;=
line-height: 23px"><b>
In this edition:</b>
</p></div>
                                            </td>
                                          </tr>
                                        </tbody>
                                      </table><table class=3D"ee_eleme=
nt ee_spacer col-font-reset" ee-type=3D"element" style=3D"font-size: 1=
4px;text-align: left;min-width: 100%;background-color: rgb(249, 246, 2=
42);table-layout: auto" data-title=3D"Spacer" width=3D"100%" cellspaci=
ng=3D"0" cellpadding=3D"0" border=3D"0" bgcolor=3D"rgb(249, 246, 242)"=
>
                            <tbody>
                              <tr>
                                <td style=3D"font-family: Helvetica, A=
rial, sans-serif;font-size: 1px;line-height: 1px">
                                <img src=3D"http://i.emlfiles4.com/cmp=
img/t/s.gif" style=3D"display: block; width: 1px; height: 10px;" alt=3D=
"" class=3D"" height=3D"10" border=3D"0" width=3D"1">
                                </td>
                              </tr>
                            </tbody>
                          </table><table class=3D"row two-cols ee_colu=
mns ee_nostack ee_element" ee-type=3D"container" data-title=3D"2 colum=
ns" style=3D"max-width: 100%;min-width: 100%;position: relative;table-=
layout: auto" width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" borde=
r=3D"0" align=3D"center"><tbody><tr><td class=3D"row-inner f-size-0 el=
ement-pad col-inner" dir=3D"ltr" style=3D"font-family: Helvetica, Aria=
l, sans-serif;font-size: 0;border-width: 0;padding: 0;padding-top: 0px=
;padding-right: 10px;padding-bottom: 0px;padding-left: 10px" valign=3D=
"top" align=3D"center"><!--[if mso]><table border=3D"0" cellspacing=3D=
"0" cellpadding=3D"0" align=3D"center" style=3D"width:352px;" width=3D=
"352" class=3D"mso-table-width"><tr><td align=3D"left" valign=3D"top" =
style=3D"width:17.984375px;" width=3D"17.984375" class=3D"mso-column-w=
idth"><![endif]--><!-- STACK COLUMN : BEGIN --><div class=3D"no-stack-=
column no-stack-column-width" ee-percent-width=3D"5" style=3D"display:=
 inline-block;vertical-align: top;float: left;min-width: 5.11%;max-wid=
th: 5.11%;width: 5.11%"><table style=3D"table-layout: auto;" width=3D"=
100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0"><tbody><tr><td =
dir=3D"ltr" class=3D"col-inner ee_dropzone" align=3D"left" style=3D"fo=
nt-family: Helvetica, Arial, sans-serif;border-width: 0;padding: 0"><t=
able class=3D"ee_element ee_spacer col-font-reset" ee-type=3D"element"=
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t: auto" data-title=3D"Spacer" width=3D"100%" cellspacing=3D"0" cellpa=
dding=3D"0" border=3D"0"><tbody><tr><td style=3D"font-family: Helvetic=
a, Arial, sans-serif;font-size: 1px;line-height: 1px"><img src=3D"http=
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; height: 6px;" alt=3D"" class=3D"" height=3D"6" border=3D"0" width=3D=
"1"></td></tr></tbody></table><table class=3D"col-font-reset ee_elemen=
t ee_imageelement" ee-type=3D"element" data-title=3D"Image" style=3D"f=
ont-size: 14px;text-align: left;min-width: 100%;table-layout: auto" wi=
dth=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0">
                        <tbody>
                            <tr>
                                <td class=3D"element-pad element-bord"=
 style=3D"font-family: Helvetica, Arial, sans-serif;padding: 10px;bord=
er-width: 0;padding-top: 0px;padding-right: 0px;padding-bottom: 0px;pa=
dding-left: 0px;font-size: 1px;line-height: 1px" align=3D"left">
                                    <center class=3D"ved_ctr"><img src=
=3D"http://i.emlfiles4.com/cmpimg/7/5/3/9/4/1/files/833858_bullet.png"=
 style=3D"font-size: 14px;line-height: 22px;color: #3a3a3a;width: 10.9=
667px;min-height: auto;display: inline-block;max-width: 100%;margin-le=
ft: 0px;margin-right: 0px;margin-top: 0px;vertical-align: bottom;heigh=
t: auto" class=3D"ee_editable ee_smallimage ee_pnggif_image ee_norespo=
nsiveresize vedpw17" width=3D"10.9667" border=3D"0"></center>
                                </td>
                            </tr>
                        </tbody>
                    </table></td></tr></tbody></table></div><!-- STACK=
 COLUMN : END --><!--[if mso]></td><td align=3D"left" valign=3D"top" s=
tyle=3D"width:333.96875px;" width=3D"333.96875" class=3D"column"><![en=
dif]--><!-- STACK COLUMN : BEGIN --><div class=3D"no-stack-column no-s=
tack-column-width" ee-percent-width=3D"95" style=3D"display: inline-bl=
ock;vertical-align: top;float: left;min-width: 94.88%;max-width: 94.88=
%;width: 94.88%"><table style=3D"table-layout: auto;" width=3D"100%" c=
ellspacing=3D"0" cellpadding=3D"0" border=3D"0"><tbody><tr><td dir=3D"=
ltr" class=3D"col-inner ee_dropzone" align=3D"left" style=3D"font-fami=
ly: Helvetica, Arial, sans-serif;border-width: 0;padding: 0"><table cl=
ass=3D"col-font-reset ee_element ee_textelement" ee-type=3D"element" s=
tyle=3D"font-size: 14px;text-align: left;min-width: 100%;table-layout:=
 auto" data-title=3D"Text" width=3D"100%" cellspacing=3D"0" cellpaddin=
g=3D"0"><tbody><tr><td class=3D"element-pad element-bord" style=3D"fon=
t-family: Helvetica, Arial, sans-serif;padding: 10px;border-width: 0;p=
adding-top: 0px;padding-right: 10px;padding-bottom: 0px;padding-left: =
10px" valign=3D"top" align=3D"left"><div class=3D"ee_editable" style=3D=
"font-size: 14px;line-height: 22px;color: #3a3a3a;position: static"><p=
 style=3D"word-wrap: break-word;word-break: break-word;Margin: 0;margi=
n-bottom: 0px;margin-top: 0px;font-size: 14px;color: #7a7a7a;text-alig=
n: left;line-height: 23px">
Leaving a charitable legacy and an inside look at how legacies support=
 the pioneering work of Great Ormond Street Hospital
</p></div></td></tr></tbody></table></td></tr></tbody></table></div><!=
-- STACK COLUMN : END --><!--[if mso]></td></tr></table><![endif]--></=
td></tr></tbody></table><table class=3D"ee_element ee_spacer col-font-=
reset" ee-type=3D"element" data-title=3D"Spacer" style=3D"font-size: 1=
4px;text-align: left;min-width: 100%;table-layout: auto" width=3D"100%=
" cellspacing=3D"0" cellpadding=3D"0" border=3D"0"><tbody><tr><td styl=
e=3D"font-family: Helvetica, Arial, sans-serif;font-size: 1px;line-hei=
ght: 1px"><img src=3D"http://i.emlfiles4.com/cmpimg/t/s.gif" style=3D"=
display: block; width: 1px; height: 10px;" alt=3D"" class=3D"" height=3D=
"10" border=3D"0" width=3D"1"></td></tr></tbody></table><table class=3D=
"row two-cols ee_columns ee_nostack ee_element" ee-type=3D"container" =
data-title=3D"2 columns" style=3D"max-width: 100%;min-width: 100%;posi=
tion: relative;table-layout: auto" width=3D"100%" cellspacing=3D"0" ce=
llpadding=3D"0" border=3D"0" align=3D"center"><tbody><tr><td class=3D"=
row-inner f-size-0 element-pad col-inner" dir=3D"ltr" style=3D"font-fa=
mily: Helvetica, Arial, sans-serif;font-size: 0;border-width: 0;paddin=
g: 0;padding-top: 0px;padding-right: 10px;padding-bottom: 0px;padding-=
left: 10px" valign=3D"top" align=3D"center"><!--[if mso]><table border=
=3D"0" cellspacing=3D"0" cellpadding=3D"0" align=3D"center" style=3D"w=
idth:352px;" width=3D"352" class=3D"mso-table-width"><tr><td align=3D"=
left" valign=3D"top" style=3D"width:17.984375px;" width=3D"17.984375" =
class=3D"mso-column-width"><![endif]--><!-- STACK COLUMN : BEGIN --><d=
iv class=3D"no-stack-column no-stack-column-width" ee-percent-width=3D=
"5" style=3D"display: inline-block;vertical-align: top;float: left;min=
-width: 5.11%;max-width: 5.11%;width: 5.11%"><table style=3D"table-lay=
out: auto;" width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D=
"0"><tbody><tr><td dir=3D"ltr" class=3D"col-inner ee_dropzone" align=3D=
"left" style=3D"font-family: Helvetica, Arial, sans-serif;border-width=
: 0;padding: 0"><table class=3D"ee_element ee_spacer col-font-reset" e=
e-type=3D"element" style=3D"font-size: 14px;text-align: left;min-width=
: 100%;table-layout: auto" data-title=3D"Spacer" width=3D"100%" cellsp=
acing=3D"0" cellpadding=3D"0" border=3D"0"><tbody><tr><td style=3D"fon=
t-family: Helvetica, Arial, sans-serif;font-size: 1px;line-height: 1px=
"><img src=3D"http://i.emlfiles4.com/cmpimg/t/s.gif" style=3D"display:=
 block; width: 1px; height: 6px;" alt=3D"" class=3D"" height=3D"6" bor=
der=3D"0" width=3D"1"></td></tr></tbody></table><table class=3D"col-fo=
nt-reset ee_element ee_imageelement" ee-type=3D"element" data-title=3D=
"Image" style=3D"font-size: 14px;text-align: left;min-width: 100%;tabl=
e-layout: auto" width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" bor=
der=3D"0">
                        <tbody>
                            <tr>
                                <td class=3D"element-pad element-bord"=
 style=3D"font-family: Helvetica, Arial, sans-serif;padding: 10px;bord=
er-width: 0;padding-top: 0px;padding-right: 0px;padding-bottom: 0px;pa=
dding-left: 0px;font-size: 1px;line-height: 1px" align=3D"left">
                                    <center class=3D"ved_ctr"><img src=
=3D"http://i.emlfiles4.com/cmpimg/7/5/3/9/4/1/files/833858_bullet.png"=
 style=3D"font-size: 14px;line-height: 22px;color: #3a3a3a;width: 10.9=
667px;min-height: auto;display: inline-block;max-width: 100%;margin-le=
ft: 0px;margin-right: 0px;margin-top: 0px;vertical-align: bottom;heigh=
t: auto" class=3D"ee_editable ee_smallimage ee_pnggif_image ee_norespo=
nsiveresize vedpw17" width=3D"10.9667" border=3D"0"></center>
                                </td>
                            </tr>
                        </tbody>
                    </table></td></tr></tbody></table></div><!-- STACK=
 COLUMN : END --><!--[if mso]></td><td align=3D"left" valign=3D"top" s=
tyle=3D"width:333.96875px;" width=3D"333.96875" class=3D"column"><![en=
dif]--><!-- STACK COLUMN : BEGIN --><div class=3D"no-stack-column no-s=
tack-column-width" ee-percent-width=3D"95" style=3D"display: inline-bl=
ock;vertical-align: top;float: left;min-width: 94.88%;max-width: 94.88=
%;width: 94.88%"><table style=3D"table-layout: auto;" width=3D"100%" c=
ellspacing=3D"0" cellpadding=3D"0" border=3D"0"><tbody><tr><td dir=3D"=
ltr" class=3D"col-inner ee_dropzone" align=3D"left" style=3D"font-fami=
ly: Helvetica, Arial, sans-serif;border-width: 0;padding: 0"><table cl=
ass=3D"col-font-reset ee_element ee_textelement" ee-type=3D"element" s=
tyle=3D"font-size: 14px;text-align: left;min-width: 100%;table-layout:=
 auto" data-title=3D"Text" width=3D"100%" cellspacing=3D"0" cellpaddin=
g=3D"0"><tbody><tr><td class=3D"element-pad element-bord" style=3D"fon=
t-family: Helvetica, Arial, sans-serif;padding: 10px;border-width: 0;p=
adding-top: 0px;padding-right: 10px;padding-bottom: 0px;padding-left: =
10px" valign=3D"top" align=3D"left"><div class=3D"ee_editable" style=3D=
"font-size: 14px;line-height: 22px;color: #3a3a3a;position: static"><p=
 style=3D"word-wrap: break-word;word-break: break-word;Margin: 0;margi=
n-bottom: 0px;margin-top: 0px;font-size: 14px;color: #7a7a7a;text-alig=
n: left;line-height: 23px">
An introduction to our Chief Investment Strategist Ben Seager-Scott
</p></div></td></tr></tbody></table></td></tr></tbody></table></div><!=
-- STACK COLUMN : END --><!--[if mso]></td></tr></table><![endif]--></=
td></tr></tbody></table><table class=3D"ee_element ee_spacer col-font-=
reset" ee-type=3D"element" data-title=3D"Spacer" style=3D"font-size: 1=
4px;text-align: left;min-width: 100%;table-layout: auto" width=3D"100%=
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e=3D"font-family: Helvetica, Arial, sans-serif;font-size: 1px;line-hei=
ght: 1px"><img src=3D"http://i.emlfiles4.com/cmpimg/t/s.gif" style=3D"=
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"10" border=3D"0" width=3D"1"></td></tr></tbody></table><table class=3D=
"row two-cols ee_columns ee_nostack ee_element" ee-type=3D"container" =
data-title=3D"2 columns" style=3D"max-width: 100%;min-width: 100%;posi=
tion: relative;table-layout: auto" width=3D"100%" cellspacing=3D"0" ce=
llpadding=3D"0" border=3D"0" align=3D"center"><tbody><tr><td class=3D"=
row-inner f-size-0 element-pad col-inner" dir=3D"ltr" style=3D"font-fa=
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g: 0;padding-top: 0px;padding-right: 10px;padding-bottom: 0px;padding-=
left: 10px" valign=3D"top" align=3D"center"><!--[if mso]><table border=
=3D"0" cellspacing=3D"0" cellpadding=3D"0" align=3D"center" style=3D"w=
idth:352px;" width=3D"352" class=3D"mso-table-width"><tr><td align=3D"=
left" valign=3D"top" style=3D"width:17.984375px;" width=3D"17.984375" =
class=3D"mso-column-width"><![endif]--><!-- STACK COLUMN : BEGIN --><d=
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"left" style=3D"font-family: Helvetica, Arial, sans-serif;border-width=
: 0;padding: 0"><table class=3D"ee_element ee_spacer col-font-reset" e=
e-type=3D"element" style=3D"font-size: 14px;text-align: left;min-width=
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acing=3D"0" cellpadding=3D"0" border=3D"0"><tbody><tr><td style=3D"fon=
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der=3D"0">
                        <tbody>
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er-width: 0;padding-top: 0px;padding-right: 0px;padding-bottom: 0px;pa=
dding-left: 0px;font-size: 1px;line-height: 1px" align=3D"left">
                                    <center class=3D"ved_ctr"><img src=
=3D"http://i.emlfiles4.com/cmpimg/7/5/3/9/4/1/files/833858_bullet.png"=
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t: auto" class=3D"ee_editable ee_smallimage ee_pnggif_image ee_norespo=
nsiveresize vedpw17" width=3D"10.9667" border=3D"0"></center>
                                </td>
                            </tr>
                        </tbody>
                    </table></td></tr></tbody></table></div><!-- STACK=
 COLUMN : END --><!--[if mso]></td><td align=3D"left" valign=3D"top" s=
tyle=3D"width:333.96875px;" width=3D"333.96875" class=3D"column"><![en=
dif]--><!-- STACK COLUMN : BEGIN --><div class=3D"no-stack-column no-s=
tack-column-width" ee-percent-width=3D"95" style=3D"display: inline-bl=
ock;vertical-align: top;float: left;min-width: 94.88%;max-width: 94.88=
%;width: 94.88%"><table style=3D"table-layout: auto;" width=3D"100%" c=
ellspacing=3D"0" cellpadding=3D"0" border=3D"0"><tbody><tr><td dir=3D"=
ltr" class=3D"col-inner ee_dropzone" align=3D"left" style=3D"font-fami=
ly: Helvetica, Arial, sans-serif;border-width: 0;padding: 0"><table cl=
ass=3D"col-font-reset ee_element ee_textelement" ee-type=3D"element" s=
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g=3D"0"><tbody><tr><td class=3D"element-pad element-bord" style=3D"fon=
t-family: Helvetica, Arial, sans-serif;padding: 10px;border-width: 0;p=
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10px" valign=3D"top" align=3D"left"><div class=3D"ee_editable" style=3D=
"font-size: 14px;line-height: 22px;color: #3a3a3a;position: static"><p=
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n-bottom: 0px;margin-top: 0px;font-size: 14px;color: #7a7a7a;text-alig=
n: left;line-height: 23px">
A close look at the lifetime allowance
</p></div></td></tr></tbody></table></td></tr></tbody></table></div><!=
-- STACK COLUMN : END --><!--[if mso]></td></tr></table><![endif]--></=
td></tr></tbody></table><table class=3D"ee_element ee_spacer col-font-=
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ght: 1px"><img src=3D"http://i.emlfiles4.com/cmpimg/t/s.gif" style=3D"=
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"10" border=3D"0" width=3D"1"></td></tr></tbody></table><table class=3D=
"row two-cols ee_columns ee_nostack ee_element" ee-type=3D"container" =
data-title=3D"2 columns" style=3D"max-width: 100%;min-width: 100%;posi=
tion: relative;table-layout: auto" width=3D"100%" cellspacing=3D"0" ce=
llpadding=3D"0" border=3D"0" align=3D"center"><tbody><tr><td class=3D"=
row-inner f-size-0 element-pad col-inner" dir=3D"ltr" style=3D"font-fa=
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idth:352px;" width=3D"352" class=3D"mso-table-width"><tr><td align=3D"=
left" valign=3D"top" style=3D"width:17.984375px;" width=3D"17.984375" =
class=3D"mso-column-width"><![endif]--><!-- STACK COLUMN : BEGIN --><d=
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"0"><tbody><tr><td dir=3D"ltr" class=3D"col-inner ee_dropzone" align=3D=
"left" style=3D"font-family: Helvetica, Arial, sans-serif;border-width=
: 0;padding: 0"><table class=3D"ee_element ee_spacer col-font-reset" e=
e-type=3D"element" style=3D"font-size: 14px;text-align: left;min-width=
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der=3D"0">
                        <tbody>
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er-width: 0;padding-top: 0px;padding-right: 0px;padding-bottom: 0px;pa=
dding-left: 0px;font-size: 1px;line-height: 1px" align=3D"left">
                                    <center class=3D"ved_ctr"><img src=
=3D"http://i.emlfiles4.com/cmpimg/7/5/3/9/4/1/files/833858_bullet.png"=
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667px;min-height: auto;display: inline-block;max-width: 100%;margin-le=
ft: 0px;margin-right: 0px;margin-top: 0px;vertical-align: bottom;heigh=
t: auto" class=3D"ee_editable ee_smallimage ee_pnggif_image ee_norespo=
nsiveresize vedpw17" width=3D"10.9667" border=3D"0"></center>
                                </td>
                            </tr>
                        </tbody>
                    </table></td></tr></tbody></table></div><!-- STACK=
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tyle=3D"width:333.96875px;" width=3D"333.96875" class=3D"column"><![en=
dif]--><!-- STACK COLUMN : BEGIN --><div class=3D"no-stack-column no-s=
tack-column-width" ee-percent-width=3D"95" style=3D"display: inline-bl=
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%;width: 94.88%"><table style=3D"table-layout: auto;" width=3D"100%" c=
ellspacing=3D"0" cellpadding=3D"0" border=3D"0"><tbody><tr><td dir=3D"=
ltr" class=3D"col-inner ee_dropzone" align=3D"left" style=3D"font-fami=
ly: Helvetica, Arial, sans-serif;border-width: 0;padding: 0"><table cl=
ass=3D"col-font-reset ee_element ee_textelement" ee-type=3D"element" s=
tyle=3D"font-size: 14px;text-align: left;min-width: 100%;table-layout:=
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g=3D"0"><tbody><tr><td class=3D"element-pad element-bord" style=3D"fon=
t-family: Helvetica, Arial, sans-serif;padding: 10px;border-width: 0;p=
adding-top: 0px;padding-right: 10px;padding-bottom: 0px;padding-left: =
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"font-size: 14px;line-height: 22px;color: #3a3a3a;position: static"><p=
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n-bottom: 0px;margin-top: 0px;font-size: 14px;color: #7a7a7a;text-alig=
n: left;line-height: 23px">
How Tilney is helping clients with everything from making new memories=
 to selling a business
</p></div></td></tr></tbody></table></td></tr></tbody></table></div><!=
-- STACK COLUMN : END --><!--[if mso]></td></tr></table><![endif]--></=
td></tr></tbody></table><table class=3D"ee_element ee_spacer col-font-=
reset" ee-type=3D"element" data-title=3D"Spacer" style=3D"font-size: 1=
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"0" border=3D"0" bgcolor=3D"rgb(249, 246, 242)"><tbody><tr><td style=3D=
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0" border=3D"0" width=3D"1"></td></tr></tbody></table><table class=3D"=
ee_element ee_button" ee-type=3D"element" data-title=3D"Button" style=3D=
"min-width: 100%;table-layout: auto" width=3D"100%" cellspacing=3D"0" =
cellpadding=3D"0"><tbody><tr><td class=3D"button-container button-v2 e=
lement-pad" style=3D"font-family: Helvetica, Arial, sans-serif;padding=
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ottom: 0px;padding-left: 20px"><!--[if mso]><v:roundrect xmlns:v=3D"ur=
n:schemas-microsoft-com:vml" xmlns:w=3D"urn:schemas-microsoft-com:offi=
ce:word" href=3D"http://updates.tilney.co.uk/378T-KMS4-54P2BF-AUX5F-1/=
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size=3D"8%" stroked=3D"false" fillcolor=3D"#bf9a5e"><w:anchorlock></w:=
anchorlock><p style=3D"text-align:center;padding:0;margin:0;"><font st=
yle=3D"color:#000000; font-style:normal;font-variant:normal;font-weigh=
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=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=
=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=
=BB=BF<font style=3D"color: rgb(255, 255, 255);">Read the magazine</fo=
nt>=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=
=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=
=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF</font></p></v:roundrect><![end=
if]--><!--[if !mso]><!----><table class=3D"button-wrapper col-font-res=
et" ee-template-version=3D"2.3" style=3D"font-size: 14px;text-align: c=
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auto" cellspacing=3D"0" cellpadding=3D"0" border=3D"0"><tbody><tr><td =
class=3D"button-td" style=3D"font-family: Helvetica, Arial, sans-serif=
;border-radius: 3px;background: #555555;text-align: center;min-width: =
170px;background-color: rgb(191, 154, 94)" bgcolor=3D"rgb(191, 154, 94=
)"><p style=3D"font-size: 14px;line-height: 23px;color: inherit;height=
: 100%;margin-bottom: 0;text-align: center;margin: 0" class=3D"ee_edit=
able button-a"><a href=3D"http://updates.tilney.co.uk/378T-KMS4-54P2BF=
-AUX5F-1/c.aspx" style=3D"border: 0px solid #000000;padding: 10px 15px=
;color: inherit;font-family: Helvetica, Arial, sans-serif;font-size: 1=
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ius: 3px;font-weight: bold;line-height: inherit;padding-top: 8px;paddi=
ng-right: 15px;padding-bottom: 8px;padding-left: 15px">=EF=BB=BF=EF=BB=
=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=
=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=
=BF=EF=BB=BF=EF=BB=BF<font style=3D"color: rgb(255, 255, 255);word-bre=
ak: break-word;word-wrap: break-word">Read the magazine</font>=EF=BB=BF=
=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=
=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=
=EF=BB=BF=EF=BB=BF=EF=BB=BF</a></p></td></tr></tbody></table><!--<![en=
dif]--></td></tr></tbody></table><table class=3D"ee_element ee_spacer =
col-font-reset" ee-type=3D"element" data-title=3D"Spacer" style=3D"fon=
t-size: 14px;text-align: left;min-width: 100%;background-color: rgb(24=
9, 246, 242);table-layout: auto" width=3D"100%" cellspacing=3D"0" cell=
padding=3D"0" border=3D"0" bgcolor=3D"rgb(249, 246, 242)"><tbody><tr><=
td style=3D"font-family: Helvetica, Arial, sans-serif;font-size: 1px;l=
ine-height: 1px"><img src=3D"http://i.emlfiles4.com/cmpimg/t/s.gif" st=
yle=3D"display: block; width: 1px; height: 20px;" alt=3D"" class=3D"" =
height=3D"20" border=3D"0" width=3D"1"></td></tr></tbody></table></td>=
</tr></tbody></table></div><!-- STACK COLUMN : END --><!--[if mso]></t=
d><td align=3D"left" valign=3D"top" style=3D"width:248px;" width=3D"24=
8" class=3D"column"><![endif]--><!-- STACK COLUMN : BEGIN --><div clas=
s=3D"stack-column stack-column-width" ee-percent-width=3D"40" style=3D=
"display: inline-block;width: 40%;vertical-align: top;max-width: 40%;m=
in-width: 100%"><table style=3D"table-layout: auto;" width=3D"100%" ce=
llspacing=3D"0" cellpadding=3D"0" border=3D"0"><tbody><tr><td dir=3D"l=
tr" class=3D"col-inner ee_dropzone" align=3D"left" style=3D"font-famil=
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ss=3D"ee_element ee_imageelement col-font-reset" ee-type=3D"element" d=
ata-title=3D"Image" style=3D"font-size: 14px;text-align: left;min-widt=
h: 100%;table-layout: auto" width=3D"100%" cellspacing=3D"0" cellpaddi=
ng=3D"0" border=3D"0">
                        <tbody>
                            <tr>
                                <td class=3D"element-pad element-bord"=
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er-width: 0;padding-top: 0px;padding-right: 20px;padding-bottom: 0px;p=
adding-left: 20px" align=3D"left">
                                    <a href=3D"http://updates.tilney.c=
o.uk/378T-KMS4-54P2BF-AUX5G-1/c.aspx" style=3D"margin-left: 0px; margi=
n-right: 0px; margin-top: 0px; vertical-align: bottom; display: block;=
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                                </td>
                            </tr>
                        </tbody>
                    </table><table class=3D"ee_element ee_spacer col-f=
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ng=3D"0" border=3D"0" bgcolor=3D"rgb(249, 246, 242)"><tbody><tr><td st=
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eight: 1px"><img src=3D"http://i.emlfiles4.com/cmpimg/t/s.gif" style=3D=
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=3D"20" border=3D"0" width=3D"1"></td></tr></tbody></table></td></tr><=
/tbody></table></div><!-- STACK COLUMN : END --><!--[if mso]></td></tr=
></table><![endif]--></td></tr></tbody></table>

                                      <!-- Spacer -->
                                     =20
                                      <!-- End spacer -->

                                     =20
                                      </td>
                                    </tr>
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                                </div>
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                                <!--[if mso]>
                                </td>
                                </tr>
                                </table>
                                <![endif]-->

                                </td>
                              </tr>
                            </tbody>
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x;line-height: 1px"><img src=3D"http://i.emlfiles4.com/cmpimg/t/s.gif"=
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table><![endif]--></div><!--[if mso]></td></tr></table><![endif]--></t=
d></tr></tbody></table></div><!-- STACK COLUMN : END --><!--[if mso]><=
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</p></div>
                                 </td>
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