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From: Tilney <tilney@updates.tilney.co.uk>
Date: Tue, 09 Jan 2018 12:01:22 +0000
Subject: =?utf-8?b?RG9u4oCZdA==?= pay more tax than you need to in 2018
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How to use the Government=E2=80=99s generous allowances



Don=E2=80=99t pay more tax than you need to

With the looming self-assessment deadline, tax is currently at the for=
efront of many people=E2=80=99s minds. And while tax is essential to t=
he running of the country, it can still be painful to settle a big tax=
 bill. It=E2=80=99s important to remember that the Government doesn=E2=
=80=99t just take tax =E2=80=93 it also gives you a number of generous=
 allowances for saving tax. Here are a few easy ways to take advantage=
 of them.




Use your ISA allowance

The annual ISA allowance is one of the simplest and most popular tax p=
erks. This year you can invest =C2=A320,000 tax-free in an ISA =E2=80=93=
 but your allowance doesn=E2=80=99t roll over between years so you nee=
d to use it before 6 April.

We have an easy-to-open Stocks & Shares ISA available through our Best=
invest brand. It gives you access to a wide range of investment option=
s with annual fees of 0.4% or less. Find out more and open an account =
on the Bestinvest website.

Find out more ( http://updates.tilney.co.uk/378T-M6Q8-54P2BF-BWKKH-0/c=
.aspx )




Pay into your pension

Paying into your pension can be a simple way to reduce your tax bill

The Government tops up your pension contributions by 20% automatically

Higher and additional-rate taxpayers can claim back another 20-25% thr=
ough their tax return

Our financial planners often help their clients with retirement planni=
ng, but if you just need a new home for your pension investments we ca=
n also help. We have a multi-award winning personal pension available =
through Bestinvest. Find out more about it today.

Find out more ( http://updates.tilney.co.uk/378T-M6Q8-54P2BF-BWKKI-0/c=
.aspx )




Your other allowances

The Government gives you a number of other generous tax allowances:

Your =C2=A311,300 Capital Gains Tax allowance can cover profits from i=
nvestments held outside an ISA or pension

You can receive up to =C2=A35,000 of dividend income this tax year, fa=
lling to =C2=A32,000 in 2018/19

Basic-rate taxpayers get a =C2=A31,000 Personal Savings Allowance (=C2=
=A3500 for higher-rate and =C2=A30 for additional-rate taxpayers)

If you need help taking advantage of all these allowances, an easy opt=
ion is to speak to a financial planner about restructuring your financ=
es. Why not book a no-obligation initial consultation to see if we cou=
ld help you?

Book a consultation ( http://updates.tilney.co.uk/378T-M6Q8-54P2BF-BWK=
KJ-0/c.aspx )




More sophisticated options

There are some more sophisticated options available, including Venture=
 Capital Trusts and the Enterprise Investment Scheme. These investment=
s provide high levels of tax relief on your investment but they are ve=
ry risky and are only suitable for certain investors. Find out if they=
 could be right for you in our tax-efficient investing guide.

Download guide ( http://updates.tilney.co.uk/378T-M6Q8-54P2BF-BWKKK-0/=
c.aspx )




For more information on any of these tax benefits and allowances pleas=
e get in touch by replying to this email, calling us on 020 7189 2400 =
or requesting a call back ( http://updates.tilney.co.uk/378T-M6Q8-54P2=
BF-BWKKL-0/c.aspx ).



Connect with us

( http://updates.tilney.co.uk/378T-M6Q8-54P2BF-BWKKM-0/c.aspx )

( http://updates.tilney.co.uk/378T-M6Q8-54P2BF-BWKKN-0/c.aspx )

( http://updates.tilney.co.uk/378T-M6Q8-54P2BF-BWKKO-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.

SIPPs are not suitable for everyone. If you don=E2=80=99t want to inve=
st across different asset classes or don=E2=80=99t think you will make=
 use of the investment choices that SIPPs give you then a SIPP might n=
ot be right for you. Please contact us for guidance or advice if you a=
re unsure whether a SIPP is right for you.

VCTs, EIS and SEIS should all be regarded as higher risk investments. =
They are only suitable for UK resident taxpayers who can tolerate high=
er risk and have a time horizon greater than five years.

Advice in relation to tax planning is not regulated by the Financial C=
onduct Authority, however, the products used to mitigate tax may be re=
gulated.

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-M6Q8-E854P2BF2B/uns.aspx

18010400

643905

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), =
Tilney Asset Management Ltd (Reg. No: 03900078), Tilney Asset Manageme=
nt Services Ltd (Reg. No: 03691998), Tilney Discretionary Portfolio Ma=
nagement Ltd (Reg. No: 00793636), Thurleigh Investment Managers LLP (R=
eg. No: OC309191), Tilney Financial Planning Ltd (Reg. No: 607039), Be=
stinvest (Consultants) Ltd (Reg. No: 01550116) and HW Financial Servic=
es Ltd (Reg. No: 02030706), each of which is authorised and regulated =
by the Financial Conduct Authority and a subsidiary of Tilney Group Lt=
d (Reg. No: 08741768). All registered in England and Wales with regist=
ered office: 6 Chesterfield Gardens, Mayfair, London W1J 5BQ. Further =
details are available here ( https://www.tilney.co.uk/registered-detai=
ls ).

This email is for the information of the addressee only and should not=
 be reproduced and/or distributed to any other person. This email may =
be sent on behalf of any of the above-named companies and should be co=
nsidered a financial promotion on all occasions where the contents of =
this email could be considered to be an invitation to engage in an inv=
estment activity. Past performance is not a guide to future performanc=
e. This e-mail is subject to terms and risk warnings available here ( =
https://www.tilney.co.uk/email-terms-and-conditions ). By communicatin=
g electronically with us, you consent to these terms.

If you received this email in error, please accept our apology. We wou=
ld be obliged if you would email contact@tilney.co.uk ( contact@tilney=
.co.uk ).
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How to use the Government=E2=80=99s generous allowances
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adding-left: 10px" align=3D"left">
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                                <!-- STACK COLUMN : BEGIN -->
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er ee_dropzone" align=3D"left" style=3D"font-family: Helvetica, Arial,=
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ottom: 0px;padding-left: 10px" valign=3D"top" align=3D"left">
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gin-bottom: 0px;margin-top: 0px;text-align: right;color: #eff7ea;font-=
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ght: 22px;color: #3a3a3a;width: 100%;min-height: auto;display: inline-=
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n: bottom;height: auto" class=3D"ee_editable vedpw660" width=3D"660" b=
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enter">

                                <!--[if mso]>
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e=3D"width:620px;" width=3D"620" class=3D"mso-column-width">
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ze: 1px;line-height: 1px"><img src=3D"http://i.emlfiles4.com/cmpimg/t/=
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ble>

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xt" width=3D"100%" cellspacing=3D"0" cellpadding=3D"0">
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ottom: 0px;padding-left: 20px" valign=3D"top" align=3D"left">
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Don=E2=80=99t pay more tax than you need to
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nt ee_spacer col-font-reset" ee-type=3D"element" data-title=3D"Spacer"=
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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: #333333;font-size: 14px;=
line-height: 23px">
With the looming self-assessment deadline, tax is currently at the for=
efront of many people=E2=80=99s minds. And while tax is essential to t=
he running of the country, it can still be painful to settle a big tax=
 bill. It=E2=80=99s important to remember that the Government doesn=E2=
=80=99t just take tax =E2=80=93 it also gives you a number of generous=
 allowances for saving tax. Here are a few easy ways to take advantage=
 of them.
</p></div>
                                            </td>
                                          </tr>
                                        </tbody>
                                      </table><table class=3D"ee_eleme=
nt ee_spacer col-font-reset" ee-type=3D"element" data-title=3D"Spacer"=
 style=3D"font-size: 14px;text-align: left;min-width: 100%;table-layou=
t: auto" width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"=
0"><tbody><tr><td style=3D"font-family: Helvetica, Arial, sans-serif;f=
ont-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></td></tr></tbody></table></div><!-- STACK COLUMN : END --><!=
--[if mso]></td></tr></table><![endif]--></td></tr></tbody></table><ta=
ble class=3D"row one-cols ee_columns ee_element" ee-type=3D"container"=
 data-title=3D"1 column" style=3D"max-width: 100%;min-width: 100%;posi=
tion: relative;background-color: rgb(255, 255, 255);table-layout: auto=
" width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" bgco=
lor=3D"rgb(255, 255, 255)" align=3D"center"><tbody><tr><td class=3D"ro=
w-inner f-size-0 col-inner element-pad" style=3D"font-family: Helvetic=
a, Arial, sans-serif;font-size: 0;border-width: 0;padding: 0;padding-t=
op: 0px;padding-right: 20px;padding-bottom: 0px;padding-left: 20px" va=
lign=3D"top" align=3D"center"><!--[if mso]><table border=3D"0" cellspa=
cing=3D"0" cellpadding=3D"0" align=3D"center" style=3D"width:620px;" w=
idth=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-column-width">=
<![endif]--><!-- STACK COLUMN : BEGIN --><div class=3D"stack-column st=
ack-column-width" ee-percent-width=3D"100" style=3D"display: inline-bl=
ock;width: 100%;vertical-align: top;min-width: 100%;max-width: 620px">=
<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"font-family: Helvetica, Ar=
ial, sans-serif;border-width: 0;padding: 0"><table class=3D"ee_element=
 ee_spacer col-font-reset" ee-type=3D"element" data-title=3D"Spacer" s=
tyle=3D"font-size: 14px;text-align: left;min-width: 100%;table-layout:=
 auto" width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0"=
><tbody><tr><td style=3D"font-family: Helvetica, Arial, sans-serif;fon=
t-size: 1px;line-height: 1px"><img src=3D"http://i.emlfiles4.com/cmpim=
g/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 one-cols ee_columns ee_element" ee-type=3D=
"container" data-title=3D"1 column" style=3D"max-width: 100%;min-width=
: 100%;position: relative;background-color: rgb(249, 246, 242);table-l=
ayout: auto" width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=
=3D"0" bgcolor=3D"rgb(249, 246, 242)" align=3D"center">
                            <tbody>
                              <tr>
                                <td class=3D"row-inner f-size-0 col-in=
ner element-pad" style=3D"font-family: Helvetica, Arial, sans-serif;fo=
nt-size: 0;border-width: 0;padding: 0;padding-top: 0px;padding-right: =
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;position: static"><p style=3D"word-wrap: break-w=
ord;word-break: break-word;Margin: 0;margin-bottom: 0px;margin-top: 0p=
x;line-height: 32px;font-size: 28px;text-align: left;color: rgb(70, 70=
, 72)">
 <strong>Use your ISA allowance</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"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 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"><p style=3D=
"word-wrap: break-word;word-break: break-word;Margin: 0;margin-bottom:=
 0px;margin-top: 0px;font-size: 14px;line-height: 23px;color: #333333"=
>
The annual ISA allowance is one of the simplest and most popular tax p=
erks. This year you can invest =C2=A320,000 tax-free in an ISA =E2=80=93=
 but your allowance doesn=E2=80=99t roll over between years so you nee=
d to use it before 6 April.
 <br>
 <br>
We have an easy-to-open Stocks &amp; Shares ISA available through our =
Bestinvest brand. It gives you access to a wide range of investment op=
tions with annual fees of 0.4% or less. Find out more and open an acco=
unt on the Bestinvest website.
</p></div>
                                            </td>
                                          </tr>
                                        </tbody>
                                      </table><table class=3D"ee_eleme=
nt ee_spacer col-font-reset" ee-type=3D"element" data-title=3D"Spacer"=
 style=3D"font-size: 14px;text-align: left;min-width: 100%;table-layou=
t: auto" width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"=
0"><tbody><tr><td style=3D"font-family: Helvetica, Arial, sans-serif;f=
ont-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_button" ee-type=3D"element" dat=
a-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"but=
ton-container button-v2 element-pad" style=3D"font-family: Helvetica, =
Arial, sans-serif;padding: 10px;text-align: left;padding-top: 0px;padd=
ing-right: 20px;padding-bottom: 0px;padding-left: 20px"><!--[if mso]><=
v:roundrect xmlns:v=3D"urn:schemas-microsoft-com:vml" xmlns:w=3D"urn:s=
chemas-microsoft-com:office:word" href=3D"http://updates.tilney.co.uk/=
378T-M6Q8-54P2BF-BWKKR-1/c.aspx" style=3D"height:29.25pt;v-text-anchor=
:middle;width:105pt;" arcsize=3D"8%" stroked=3D"false" fillcolor=3D"#b=
f9a5e"><w:anchorlock></w:anchorlock><p style=3D"text-align:center;padd=
ing:0;margin:0;"><font style=3D"color:#000000; font-style:normal;font-=
variant:normal;font-weight:700;font-family:Helvetica,Arial,sans-serif;=
font-size:11.25pt; padding:0; margin:0; line-height:inherit;">=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=EF=BB=BF<font style=3D"color: rgb(255, 255=
, 255);">Find out more</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=EF=BB=
=BF</font></p></v:roundrect><![endif]--><!--[if !mso]><!----><table cl=
ass=3D"button-wrapper col-font-reset" ee-template-version=3D"2.3" styl=
e=3D"font-size: 14px;text-align: center;min-width: auto;display: inlin=
e-block;float: left;table-layout: auto" cellspacing=3D"0" cellpadding=3D=
"0" border=3D"0"><tbody><tr><td class=3D"button-td" style=3D"font-fami=
ly: Helvetica, Arial, sans-serif;border-radius: 3px;background: #55555=
5;text-align: center;min-width: 140px;background-color: rgb(191, 154, =
94)" bgcolor=3D"rgb(191, 154, 94)"><p style=3D"font-size: 14px;line-he=
ight: 23px;color: inherit;height: 100%;margin-bottom: 0;text-align: ce=
nter;margin: 0" class=3D"ee_editable button-a"><a href=3D"http://updat=
es.tilney.co.uk/378T-M6Q8-54P2BF-BWKKR-1/c.aspx" style=3D"border: 0px =
solid #000000;padding: 10px 15px;color: inherit;font-family: Helvetica=
, Arial, sans-serif;font-size: 15px;text-align: center;text-decoration=
: none;display: block;border-radius: 3px;font-weight: bold;line-height=
: inherit;padding-top: 8px;padding-right: 15px;padding-bottom: 8px;pad=
ding-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=EF=BB=BF<font s=
tyle=3D"color: rgb(255, 255, 255);word-break: break-word;word-wrap: br=
eak-word">Find out more</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=EF=BB=
=BF</a></p></td></tr></tbody></table><!--<![endif]--></td></tr></tbody=
></table>
                                      <table class=3D"ee_element ee_sp=
acer col-font-reset" ee-type=3D"element" data-title=3D"Spacer" style=3D=
"font-size: 14px;text-align: left;min-width: 100%;table-layout: auto" =
width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=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.g=
if" 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=
>

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

                                     =20
                                      </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"fo=
nt-size: 14px;text-align: left;min-width: 100%;table-layout: auto" wid=
th=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0"><tbody><t=
r><td style=3D"font-family: Helvetica, Arial, sans-serif;font-size: 1p=
x;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></tbody></table></=
td></tr></tbody></table></div><!-- STACK COLUMN : END --><!--[if mso]>=
</td></tr></table><![endif]--></td></tr></tbody></table><table class=3D=
"row one-cols ee_columns ee_element" ee-type=3D"container" data-title=3D=
"1 column" style=3D"max-width: 100%;min-width: 100%;position: relative=
;background-color: rgb(255, 255, 255);table-layout: auto" width=3D"100=
%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" bgcolor=3D"rgb(255=
, 255, 255)" align=3D"center"><tbody><tr><td class=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;padding-top: 0px;paddin=
g-right: 20px;padding-bottom: 0px;padding-left: 20px" valign=3D"top" a=
lign=3D"center"><!--[if mso]><table border=3D"0" cellspacing=3D"0" cel=
lpadding=3D"0" align=3D"center" style=3D"width:620px;" width=3D"620" c=
lass=3D"mso-table-width"><tr><td align=3D"left" valign=3D"top" style=3D=
"width:620px;" width=3D"620" class=3D"mso-column-width"><![endif]--><!=
-- STACK COLUMN : BEGIN --><div class=3D"stack-column stack-column-wid=
th" 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%" cellspacing=3D"0" cellpadding=3D"=
0" border=3D"0"><tbody><tr><td dir=3D"ltr" class=3D"col-inner ee_dropz=
one" 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" data-title=3D"Spacer" style=3D"font-si=
ze: 14px;text-align: left;min-width: 100%;table-layout: auto" width=3D=
"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0"><tbody><tr><td=
 style=3D"font-family: Helvetica, Arial, sans-serif;font-size: 1px;lin=
e-height: 1px"><img src=3D"http://i.emlfiles4.com/cmpimg/t/s.gif" styl=
e=3D"display: block; width: 1px; height: 20px;" alt=3D"" class=3D"" he=
ight=3D"20" border=3D"0" width=3D"1"></td></tr></tbody></table><table =
class=3D"row one-cols ee_columns ee_element" ee-type=3D"container" dat=
a-title=3D"1 column" style=3D"max-width: 100%;min-width: 100%;position=
: relative;background-color: rgb(249, 246, 242);table-layout: auto" wi=
dth=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" bgcolor=3D=
"rgb(249, 246, 242)" align=3D"center">
                            <tbody>
                              <tr>
                                <td class=3D"row-inner f-size-0 col-in=
ner element-pad" style=3D"font-family: Helvetica, Arial, sans-serif;fo=
nt-size: 0;border-width: 0;padding: 0;padding-top: 0px;padding-right: =
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;position: static"><p style=3D"word-wrap: break-w=
ord;word-break: break-word;Margin: 0;margin-bottom: 0px;margin-top: 0p=
x;line-height: 32px;font-size: 28px;text-align: left;color: rgb(70, 70=
, 72)">
 <strong>Pay into your pension</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_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:600px;" width=3D=
"600" class=3D"mso-table-width"><tr><td align=3D"left" valign=3D"top" =
style=3D"width:30px;" width=3D"30" class=3D"mso-column-width"><![endif=
]--><!-- STACK COLUMN : BEGIN --><div class=3D"no-stack-column no-stac=
k-column-width" ee-percent-width=3D"5" style=3D"display: inline-block;=
vertical-align: top;float: left;min-width: 5%;max-width: 5%;width: 5%"=
><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"co=
l-inner ee_dropzone" align=3D"left" style=3D"font-family: Helvetica, A=
rial, sans-serif;border-width: 0;padding: 0"><table class=3D"ee_elemen=
t ee_spacer col-font-reset" ee-type=3D"element" style=3D"font-size: 14=
px;text-align: left;min-width: 100%;table-layout: auto" data-title=3D"=
Spacer" width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0=
"><tbody><tr><td style=3D"font-family: Helvetica, Arial, sans-serif;fo=
nt-size: 1px;line-height: 1px"><img src=3D"http://i.emlfiles4.com/cmpi=
mg/t/s.gif" style=3D"display: block; width: 1px; 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_element ee_imageelement" ee-t=
ype=3D"element" data-title=3D"Image" style=3D"font-size: 14px;text-ali=
gn: left;min-width: 100%;table-layout: auto" width=3D"100%" cellspacin=
g=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" 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: 11px=
;min-height: auto;display: inline-block;max-width: 100%;margin-left: 0=
px;margin-right: 0px;margin-top: 0px;vertical-align: bottom;height: au=
to" class=3D"ee_editable ee_smallimage ee_pnggif_image ee_noresponsive=
resize vedpw30" width=3D"11" 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:570px;" width=3D"570" class=3D"column"><![endif]--><!-- =
STACK COLUMN : BEGIN --><div class=3D"no-stack-column no-stack-column-=
width" ee-percent-width=3D"95" style=3D"display: inline-block;vertical=
-align: top;float: left;min-width: 95%;max-width: 95%;width: 95%"><tab=
le style=3D"table-layout: auto;" width=3D"100%" cellspacing=3D"0" cell=
padding=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"col-font-reset=
 ee_element ee_textelement" ee-type=3D"element" style=3D"font-size: 14=
px;text-align: left;min-width: 100%;table-layout: auto" data-title=3D"=
Text" width=3D"100%" cellspacing=3D"0" cellpadding=3D"0"><tbody><tr><t=
d class=3D"element-pad element-bord" style=3D"font-family: Helvetica, =
Arial, sans-serif;padding: 10px;border-width: 0;padding-top: 0px;paddi=
ng-right: 10px;padding-bottom: 0px;padding-left: 10px" valign=3D"top" =
align=3D"left"><div class=3D"ee_editable" style=3D"font-size: 14px;lin=
e-height: 22px;color: #3a3a3a;position: static"><p style=3D"word-wrap:=
 break-word;word-break: break-word;Margin: 0;margin-bottom: 0px;margin=
-top: 0px;font-size: 14px;text-align: left;line-height: 23px;color: #3=
33333">
Paying into your pension can be a simple way to reduce your tax bill
</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:600px;" width=3D"600" class=3D"mso-table-width"><tr><td align=3D"=
left" valign=3D"top" style=3D"width:30px;" width=3D"30" class=3D"mso-c=
olumn-width"><![endif]--><!-- STACK COLUMN : BEGIN --><div class=3D"no=
-stack-column no-stack-column-width" ee-percent-width=3D"5" style=3D"d=
isplay: inline-block;vertical-align: top;float: left;min-width: 5%;max=
-width: 5%;width: 5%"><table style=3D"table-layout: auto;" width=3D"10=
0%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0"><tbody><tr><td di=
r=3D"ltr" class=3D"col-inner ee_dropzone" align=3D"left" style=3D"font=
-family: Helvetica, Arial, sans-serif;border-width: 0;padding: 0"><tab=
le class=3D"ee_element ee_spacer col-font-reset" ee-type=3D"element" s=
tyle=3D"font-size: 14px;text-align: left;min-width: 100%;table-layout:=
 auto" data-title=3D"Spacer" width=3D"100%" cellspacing=3D"0" cellpadd=
ing=3D"0" border=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: 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_element =
ee_imageelement" ee-type=3D"element" data-title=3D"Image" style=3D"fon=
t-size: 14px;text-align: left;min-width: 100%;table-layout: auto" widt=
h=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" 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: 11px=
;min-height: auto;display: inline-block;max-width: 100%;margin-left: 0=
px;margin-right: 0px;margin-top: 0px;vertical-align: bottom;height: au=
to" class=3D"ee_editable ee_smallimage ee_pnggif_image ee_noresponsive=
resize vedpw30" width=3D"11" 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:570px;" width=3D"570" class=3D"column"><![endif]--><!-- =
STACK COLUMN : BEGIN --><div class=3D"no-stack-column no-stack-column-=
width" ee-percent-width=3D"95" style=3D"display: inline-block;vertical=
-align: top;float: left;min-width: 95%;max-width: 95%;width: 95%"><tab=
le style=3D"table-layout: auto;" width=3D"100%" cellspacing=3D"0" cell=
padding=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"col-font-reset=
 ee_element ee_textelement" ee-type=3D"element" style=3D"font-size: 14=
px;text-align: left;min-width: 100%;table-layout: auto" data-title=3D"=
Text" width=3D"100%" cellspacing=3D"0" cellpadding=3D"0"><tbody><tr><t=
d class=3D"element-pad element-bord" style=3D"font-family: Helvetica, =
Arial, sans-serif;padding: 10px;border-width: 0;padding-top: 0px;paddi=
ng-right: 10px;padding-bottom: 0px;padding-left: 10px" valign=3D"top" =
align=3D"left"><div class=3D"ee_editable" style=3D"font-size: 14px;lin=
e-height: 22px;color: #3a3a3a;position: static"><p style=3D"word-wrap:=
 break-word;word-break: break-word;Margin: 0;margin-bottom: 0px;margin=
-top: 0px;font-size: 14px;text-align: left;line-height: 23px;color: #3=
33333">
The Government tops up your pension contributions by 20% automatically
</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:600px;" width=3D"600" class=3D"mso-table-width"><tr><td align=3D"=
left" valign=3D"top" style=3D"width:30px;" width=3D"30" class=3D"mso-c=
olumn-width"><![endif]--><!-- STACK COLUMN : BEGIN --><div class=3D"no=
-stack-column no-stack-column-width" ee-percent-width=3D"5" style=3D"d=
isplay: inline-block;vertical-align: top;float: left;min-width: 5%;max=
-width: 5%;width: 5%"><table style=3D"table-layout: auto;" width=3D"10=
0%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0"><tbody><tr><td di=
r=3D"ltr" class=3D"col-inner ee_dropzone" align=3D"left" style=3D"font=
-family: Helvetica, Arial, sans-serif;border-width: 0;padding: 0"><tab=
le class=3D"ee_element ee_spacer col-font-reset" ee-type=3D"element" s=
tyle=3D"font-size: 14px;text-align: left;min-width: 100%;table-layout:=
 auto" data-title=3D"Spacer" width=3D"100%" cellspacing=3D"0" cellpadd=
ing=3D"0" border=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: 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_element =
ee_imageelement" ee-type=3D"element" data-title=3D"Image" style=3D"fon=
t-size: 14px;text-align: left;min-width: 100%;table-layout: auto" widt=
h=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" 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: 11px=
;min-height: auto;display: inline-block;max-width: 100%;margin-left: 0=
px;margin-right: 0px;margin-top: 0px;vertical-align: bottom;height: au=
to" class=3D"ee_editable ee_smallimage ee_pnggif_image ee_noresponsive=
resize vedpw30" width=3D"11" 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:570px;" width=3D"570" class=3D"column"><![endif]--><!-- =
STACK COLUMN : BEGIN --><div class=3D"no-stack-column no-stack-column-=
width" ee-percent-width=3D"95" style=3D"display: inline-block;vertical=
-align: top;float: left;min-width: 95%;max-width: 95%;width: 95%"><tab=
le style=3D"table-layout: auto;" width=3D"100%" cellspacing=3D"0" cell=
padding=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"col-font-reset=
 ee_element ee_textelement" ee-type=3D"element" style=3D"font-size: 14=
px;text-align: left;min-width: 100%;table-layout: auto" data-title=3D"=
Text" width=3D"100%" cellspacing=3D"0" cellpadding=3D"0"><tbody><tr><t=
d class=3D"element-pad element-bord" style=3D"font-family: Helvetica, =
Arial, sans-serif;padding: 10px;border-width: 0;padding-top: 0px;paddi=
ng-right: 10px;padding-bottom: 0px;padding-left: 10px" valign=3D"top" =
align=3D"left"><div class=3D"ee_editable" style=3D"font-size: 14px;lin=
e-height: 22px;color: #3a3a3a;position: static"><p style=3D"word-wrap:=
 break-word;word-break: break-word;Margin: 0;margin-bottom: 0px;margin=
-top: 0px;font-size: 14px;text-align: left;line-height: 23px;color: #3=
33333">
Higher and additional-rate taxpayers can claim back another 20-25% thr=
ough their tax return
</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: 20px;" alt=3D"" class=3D"" height=3D=
"20" border=3D"0" width=3D"1"></td></tr></tbody></table><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"><p style=3D=
"word-wrap: break-word;word-break: break-word;Margin: 0;margin-bottom:=
 0px;margin-top: 0px;font-size: 14px;line-height: 23px;color: #333333"=
>
Our financial planners often help their clients with retirement planni=
ng, but if you just need a new home for your pension investments we ca=
n also help. We have a multi-award winning personal pension available =
through Bestinvest. Find out more about it today.
</p></div>
                                            </td>
                                          </tr>
                                        </tbody>
                                      </table><table class=3D"ee_eleme=
nt ee_spacer col-font-reset" ee-type=3D"element" data-title=3D"Spacer"=
 style=3D"font-size: 14px;text-align: left;min-width: 100%;table-layou=
t: auto" width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"=
0"><tbody><tr><td style=3D"font-family: Helvetica, Arial, sans-serif;f=
ont-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_button" ee-type=3D"element" dat=
a-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"but=
ton-container button-v2 element-pad" style=3D"font-family: Helvetica, =
Arial, sans-serif;padding: 10px;text-align: left;padding-top: 0px;padd=
ing-right: 20px;padding-bottom: 0px;padding-left: 20px"><!--[if mso]><=
v:roundrect xmlns:v=3D"urn:schemas-microsoft-com:vml" xmlns:w=3D"urn:s=
chemas-microsoft-com:office:word" href=3D"http://updates.tilney.co.uk/=
378T-M6Q8-54P2BF-BWKKS-1/c.aspx" style=3D"height:29.25pt;v-text-anchor=
:middle;width:105pt;" arcsize=3D"8%" stroked=3D"false" fillcolor=3D"#b=
f9a5e"><w:anchorlock></w:anchorlock><p style=3D"text-align:center;padd=
ing:0;margin:0;"><font style=3D"color:#000000; font-style:normal;font-=
variant:normal;font-weight:700;font-family:Helvetica,Arial,sans-serif;=
font-size:11.25pt; padding:0; margin:0; line-height:inherit;">=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=EF=BB=BF=EF=BB=BF<font style=3D"color: rgb=
(255, 255, 255);">Find out more</font>=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=
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=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><![endif]--><!--[if !mso=
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rsion=3D"2.3" style=3D"font-size: 14px;text-align: center;min-width: a=
uto;display: inline-block;float: left;table-layout: 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: 140px;background-col=
or: 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_editable button-a"><a hr=
ef=3D"http://updates.tilney.co.uk/378T-M6Q8-54P2BF-BWKKS-1/c.aspx" sty=
le=3D"border: 0px solid #000000;padding: 10px 15px;color: inherit;font=
-family: Helvetica, Arial, sans-serif;font-size: 15px;text-align: cent=
er;text-decoration: none;display: block;border-radius: 3px;font-weight=
: bold;line-height: inherit;padding-top: 8px;padding-right: 15px;paddi=
ng-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=
=EF=BB=BF=EF=BB=BF<font style=3D"color: rgb(255, 255, 255);word-break:=
 break-word;word-wrap: break-word">Find out more</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=EF=BB=BF=EF=BB=BF</a></p></td></tr></tbody></tab=
le><!--<![endif]--></td></tr></tbody></table>
                                      <table class=3D"ee_element ee_sp=
acer col-font-reset" ee-type=3D"element" data-title=3D"Spacer" style=3D=
"font-size: 14px;text-align: left;min-width: 100%;table-layout: auto" =
width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=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.g=
if" 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=
>

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

                                     =20
                                      </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"fo=
nt-size: 14px;text-align: left;min-width: 100%;table-layout: auto" wid=
th=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0"><tbody><t=
r><td style=3D"font-family: Helvetica, Arial, sans-serif;font-size: 1p=
x;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></tbody></table></=
td></tr></tbody></table></div><!-- STACK COLUMN : END --><!--[if mso]>=
</td></tr></table><![endif]--></td></tr></tbody></table><table class=3D=
"row one-cols ee_columns ee_element" ee-type=3D"container" data-title=3D=
"1 column" style=3D"max-width: 100%;min-width: 100%;position: relative=
;background-color: rgb(255, 255, 255);table-layout: auto" width=3D"100=
%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" bgcolor=3D"rgb(255=
, 255, 255)" align=3D"center"><tbody><tr><td class=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;padding-top: 0px;paddin=
g-right: 20px;padding-bottom: 0px;padding-left: 20px" valign=3D"top" a=
lign=3D"center"><!--[if mso]><table border=3D"0" cellspacing=3D"0" cel=
lpadding=3D"0" align=3D"center" style=3D"width:620px;" width=3D"620" c=
lass=3D"mso-table-width"><tr><td align=3D"left" valign=3D"top" style=3D=
"width:620px;" width=3D"620" class=3D"mso-column-width"><![endif]--><!=
-- STACK COLUMN : BEGIN --><div class=3D"stack-column stack-column-wid=
th" 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%" cellspacing=3D"0" cellpadding=3D"=
0" border=3D"0"><tbody><tr><td dir=3D"ltr" class=3D"col-inner ee_dropz=
one" 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" data-title=3D"Spacer" style=3D"font-si=
ze: 14px;text-align: left;min-width: 100%;table-layout: auto" width=3D=
"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0"><tbody><tr><td=
 style=3D"font-family: Helvetica, Arial, sans-serif;font-size: 1px;lin=
e-height: 1px"><img src=3D"http://i.emlfiles4.com/cmpimg/t/s.gif" styl=
e=3D"display: block; width: 1px; height: 20px;" alt=3D"" class=3D"" he=
ight=3D"20" border=3D"0" width=3D"1"></td></tr></tbody></table><table =
class=3D"row one-cols ee_columns ee_element" ee-type=3D"container" dat=
a-title=3D"1 column" style=3D"max-width: 100%;min-width: 100%;position=
: relative;background-color: rgb(249, 246, 242);table-layout: auto" wi=
dth=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" bgcolor=3D=
"rgb(249, 246, 242)" align=3D"center">
                            <tbody>
                              <tr>
                                <td class=3D"row-inner f-size-0 col-in=
ner element-pad" style=3D"font-family: Helvetica, Arial, sans-serif;fo=
nt-size: 0;border-width: 0;padding: 0;padding-top: 0px;padding-right: =
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;position: static"><p style=3D"word-wrap: break-w=
ord;word-break: break-word;Margin: 0;margin-bottom: 0px;margin-top: 0p=
x;line-height: 32px;font-size: 28px;text-align: left;color: rgb(70, 70=
, 72)">
 <strong>Your other allowances</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"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 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"><p style=3D=
"word-wrap: break-word;word-break: break-word;Margin: 0;margin-bottom:=
 0px;margin-top: 0px;font-size: 14px;line-height: 23px;color: #333333"=
>
The Government gives you a number of other generous tax allowances:
</p></div>
                                            </td>
                                          </tr>
                                        </tbody>
                                      </table><table class=3D"ee_eleme=
nt ee_spacer col-font-reset" ee-type=3D"element" data-title=3D"Spacer"=
 style=3D"font-size: 14px;text-align: left;min-width: 100%;table-layou=
t: auto" width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"=
0"><tbody><tr><td style=3D"font-family: Helvetica, Arial, sans-serif;f=
ont-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_columns ee_nostack ee_element=
" ee-type=3D"container" data-title=3D"2 columns" style=3D"max-width: 1=
00%;min-width: 100%;position: relative;table-layout: auto" width=3D"10=
0%" cellspacing=3D"0" cellpadding=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-family: Helvetica, Arial, sans-serif;font-size: 0;=
border-width: 0;padding: 0;padding-top: 0px;padding-right: 10px;paddin=
g-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:600px;" width=3D"600" class=3D"mso-table-wi=
dth"><tr><td align=3D"left" valign=3D"top" style=3D"width:30px;" width=
=3D"30" class=3D"mso-column-width"><![endif]--><!-- STACK COLUMN : BEG=
IN --><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%;max-width: 5%;width: 5%"><table style=3D"table-layo=
ut: 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" 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: 11px=
;min-height: auto;display: inline-block;max-width: 100%;margin-left: 0=
px;margin-right: 0px;margin-top: 0px;vertical-align: bottom;height: au=
to" class=3D"ee_editable ee_smallimage ee_pnggif_image ee_noresponsive=
resize vedpw30" width=3D"11" 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:570px;" width=3D"570" class=3D"column"><![endif]--><!-- =
STACK COLUMN : BEGIN --><div class=3D"no-stack-column no-stack-column-=
width" ee-percent-width=3D"95" style=3D"display: inline-block;vertical=
-align: top;float: left;min-width: 95%;max-width: 95%;width: 95%"><tab=
le style=3D"table-layout: auto;" width=3D"100%" cellspacing=3D"0" cell=
padding=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"col-font-reset=
 ee_element ee_textelement" ee-type=3D"element" style=3D"font-size: 14=
px;text-align: left;min-width: 100%;table-layout: auto" data-title=3D"=
Text" width=3D"100%" cellspacing=3D"0" cellpadding=3D"0"><tbody><tr><t=
d class=3D"element-pad element-bord" style=3D"font-family: Helvetica, =
Arial, sans-serif;padding: 10px;border-width: 0;padding-top: 0px;paddi=
ng-right: 10px;padding-bottom: 0px;padding-left: 10px" valign=3D"top" =
align=3D"left"><div class=3D"ee_editable" style=3D"font-size: 14px;lin=
e-height: 22px;color: #3a3a3a;position: static"><p style=3D"word-wrap:=
 break-word;word-break: break-word;Margin: 0;margin-bottom: 0px;margin=
-top: 0px;font-size: 14px;text-align: left;line-height: 23px;color: #3=
33333">
Your =C2=A311,300 Capital Gains Tax allowance can cover profits from i=
nvestments held outside an ISA or pension
</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:600px;" width=3D"600" class=3D"mso-table-width"><tr><td align=3D"=
left" valign=3D"top" style=3D"width:30px;" width=3D"30" class=3D"mso-c=
olumn-width"><![endif]--><!-- STACK COLUMN : BEGIN --><div class=3D"no=
-stack-column no-stack-column-width" ee-percent-width=3D"5" style=3D"d=
isplay: inline-block;vertical-align: top;float: left;min-width: 5%;max=
-width: 5%;width: 5%"><table style=3D"table-layout: auto;" width=3D"10=
0%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0"><tbody><tr><td di=
r=3D"ltr" class=3D"col-inner ee_dropzone" align=3D"left" style=3D"font=
-family: Helvetica, Arial, sans-serif;border-width: 0;padding: 0"><tab=
le class=3D"ee_element ee_spacer col-font-reset" ee-type=3D"element" s=
tyle=3D"font-size: 14px;text-align: left;min-width: 100%;table-layout:=
 auto" data-title=3D"Spacer" width=3D"100%" cellspacing=3D"0" cellpadd=
ing=3D"0" border=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: 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_element =
ee_imageelement" ee-type=3D"element" data-title=3D"Image" style=3D"fon=
t-size: 14px;text-align: left;min-width: 100%;table-layout: auto" widt=
h=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" 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: 11px=
;min-height: auto;display: inline-block;max-width: 100%;margin-left: 0=
px;margin-right: 0px;margin-top: 0px;vertical-align: bottom;height: au=
to" class=3D"ee_editable ee_smallimage ee_pnggif_image ee_noresponsive=
resize vedpw30" width=3D"11" 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:570px;" width=3D"570" class=3D"column"><![endif]--><!-- =
STACK COLUMN : BEGIN --><div class=3D"no-stack-column no-stack-column-=
width" ee-percent-width=3D"95" style=3D"display: inline-block;vertical=
-align: top;float: left;min-width: 95%;max-width: 95%;width: 95%"><tab=
le style=3D"table-layout: auto;" width=3D"100%" cellspacing=3D"0" cell=
padding=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"col-font-reset=
 ee_element ee_textelement" ee-type=3D"element" style=3D"font-size: 14=
px;text-align: left;min-width: 100%;table-layout: auto" data-title=3D"=
Text" width=3D"100%" cellspacing=3D"0" cellpadding=3D"0"><tbody><tr><t=
d class=3D"element-pad element-bord" style=3D"font-family: Helvetica, =
Arial, sans-serif;padding: 10px;border-width: 0;padding-top: 0px;paddi=
ng-right: 10px;padding-bottom: 0px;padding-left: 10px" valign=3D"top" =
align=3D"left"><div class=3D"ee_editable" style=3D"font-size: 14px;lin=
e-height: 22px;color: #3a3a3a;position: static"><p style=3D"word-wrap:=
 break-word;word-break: break-word;Margin: 0;margin-bottom: 0px;margin=
-top: 0px;font-size: 14px;text-align: left;line-height: 23px;color: #3=
33333">
You can receive up to =C2=A35,000 of dividend income this tax year, fa=
lling to =C2=A32,000 in 2018/19
</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:600px;" width=3D"600" class=3D"mso-table-width"><tr><td align=3D"=
left" valign=3D"top" style=3D"width:30px;" width=3D"30" class=3D"mso-c=
olumn-width"><![endif]--><!-- STACK COLUMN : BEGIN --><div class=3D"no=
-stack-column no-stack-column-width" ee-percent-width=3D"5" style=3D"d=
isplay: inline-block;vertical-align: top;float: left;min-width: 5%;max=
-width: 5%;width: 5%"><table style=3D"table-layout: auto;" width=3D"10=
0%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0"><tbody><tr><td di=
r=3D"ltr" class=3D"col-inner ee_dropzone" align=3D"left" style=3D"font=
-family: Helvetica, Arial, sans-serif;border-width: 0;padding: 0"><tab=
le class=3D"ee_element ee_spacer col-font-reset" ee-type=3D"element" s=
tyle=3D"font-size: 14px;text-align: left;min-width: 100%;table-layout:=
 auto" data-title=3D"Spacer" width=3D"100%" cellspacing=3D"0" cellpadd=
ing=3D"0" border=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: 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_element =
ee_imageelement" ee-type=3D"element" data-title=3D"Image" style=3D"fon=
t-size: 14px;text-align: left;min-width: 100%;table-layout: auto" widt=
h=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" 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: 11px=
;min-height: auto;display: inline-block;max-width: 100%;margin-left: 0=
px;margin-right: 0px;margin-top: 0px;vertical-align: bottom;height: au=
to" class=3D"ee_editable ee_smallimage ee_pnggif_image ee_noresponsive=
resize vedpw30" width=3D"11" 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:570px;" width=3D"570" class=3D"column"><![endif]--><!-- =
STACK COLUMN : BEGIN --><div class=3D"no-stack-column no-stack-column-=
width" ee-percent-width=3D"95" style=3D"display: inline-block;vertical=
-align: top;float: left;min-width: 95%;max-width: 95%;width: 95%"><tab=
le style=3D"table-layout: auto;" width=3D"100%" cellspacing=3D"0" cell=
padding=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"col-font-reset=
 ee_element ee_textelement" ee-type=3D"element" style=3D"font-size: 14=
px;text-align: left;min-width: 100%;table-layout: auto" data-title=3D"=
Text" width=3D"100%" cellspacing=3D"0" cellpadding=3D"0"><tbody><tr><t=
d class=3D"element-pad element-bord" style=3D"font-family: Helvetica, =
Arial, sans-serif;padding: 10px;border-width: 0;padding-top: 0px;paddi=
ng-right: 10px;padding-bottom: 0px;padding-left: 10px" valign=3D"top" =
align=3D"left"><div class=3D"ee_editable" style=3D"font-size: 14px;lin=
e-height: 22px;color: #3a3a3a;position: static"><p style=3D"word-wrap:=
 break-word;word-break: break-word;Margin: 0;margin-bottom: 0px;margin=
-top: 0px;font-size: 14px;text-align: left;line-height: 23px;color: #3=
33333">
Basic-rate taxpayers get a =C2=A31,000 Personal Savings Allowance (=C2=
=A3500 for higher-rate and =C2=A30 for additional-rate taxpayers)
</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: 20px;" alt=3D"" class=3D"" height=3D=
"20" border=3D"0" width=3D"1"></td></tr></tbody></table><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"><p style=3D=
"word-wrap: break-word;word-break: break-word;Margin: 0;margin-bottom:=
 0px;margin-top: 0px;font-size: 14px;line-height: 23px;color: #333333"=
>
If you need help taking advantage of all these allowances, an easy opt=
ion is to speak to a financial planner about restructuring your financ=
es. Why not book a no-obligation initial consultation to see if we cou=
ld help you?
</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: 20px;" alt=3D=
"" class=3D"" height=3D"20" 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%;t=
able-layout: auto" width=3D"100%" cellspacing=3D"0" cellpadding=3D"0">=
<tbody><tr><td class=3D"button-container button-v2 element-pad" style=3D=
"font-family: Helvetica, Arial, sans-serif;padding: 10px;text-align: l=
eft;padding-top: 0px;padding-right: 20px;padding-bottom: 0px;padding-l=
eft: 20px"><!--[if mso]><v:roundrect xmlns:v=3D"urn:schemas-microsoft-=
com:vml" xmlns:w=3D"urn:schemas-microsoft-com:office:word" href=3D"htt=
p://updates.tilney.co.uk/378T-M6Q8-54P2BF-BWKKT-1/c.aspx" style=3D"hei=
ght:29.25pt;v-text-anchor:middle;width:135pt;" arcsize=3D"8%" stroked=3D=
"false" fillcolor=3D"#bf9a5e"><w:anchorlock></w:anchorlock><p style=3D=
"text-align:center;padding:0;margin:0;"><font style=3D"color:#000000; =
font-style:normal;font-variant:normal;font-weight:700;font-family:Helv=
etica,Arial,sans-serif;font-size:11.25pt; padding:0; margin:0; line-he=
ight:inherit;">=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=EF=BB=BF<font styl=
e=3D"color: rgb(255, 255, 255);">Book a consultation</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=EF=BB=BF</font></p></v:roundrect><![endif]-->=
<!--[if !mso]><!----><table class=3D"button-wrapper col-font-reset" ee=
-template-version=3D"2.3" style=3D"font-size: 14px;text-align: center;=
min-width: auto;display: inline-block;float: left;table-layout: 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: 180px;ba=
ckground-color: rgb(191, 154, 94)" bgcolor=3D"rgb(191, 154, 94)"><p st=
yle=3D"font-size: 14px;line-height: 23px;color: inherit;height: 100%;m=
argin-bottom: 0;text-align: center;margin: 0" class=3D"ee_editable but=
ton-a"><a href=3D"http://updates.tilney.co.uk/378T-M6Q8-54P2BF-BWKKT-1=
/c.aspx" style=3D"border: 0px solid #000000;padding: 10px 15px;color: =
inherit;font-family: Helvetica, Arial, sans-serif;font-size: 15px;text=
-align: center;text-decoration: none;display: block;border-radius: 3px=
;font-weight: bold;line-height: inherit;padding-top: 8px;padding-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=EF=BB=BF<font style=3D"color: rgb(255, 255, 255);word-bre=
ak: break-word;word-wrap: break-word">Book a consultation</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=EF=BB=BF</a></p></td></tr></tbody></tab=
le><!--<![endif]--></td></tr></tbody></table>
                                      <table class=3D"ee_element ee_sp=
acer col-font-reset" ee-type=3D"element" data-title=3D"Spacer" style=3D=
"font-size: 14px;text-align: left;min-width: 100%;table-layout: auto" =
width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=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.g=
if" 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=
>

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

                                     =20
                                      </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"fo=
nt-size: 14px;text-align: left;min-width: 100%;table-layout: auto" wid=
th=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0"><tbody><t=
r><td style=3D"font-family: Helvetica, Arial, sans-serif;font-size: 1p=
x;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></tbody></table></=
td></tr></tbody></table></div><!-- STACK COLUMN : END --><!--[if mso]>=
</td></tr></table><![endif]--></td></tr></tbody></table><table class=3D=
"row one-cols ee_columns ee_element" ee-type=3D"container" data-title=3D=
"1 column" style=3D"max-width: 100%;min-width: 100%;position: relative=
;background-color: rgb(255, 255, 255);table-layout: auto" width=3D"100=
%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" bgcolor=3D"rgb(255=
, 255, 255)" align=3D"center"><tbody><tr><td class=3D"row-inner f-size=
-0 element-pad col-inner" style=3D"font-family: Helvetica, Arial, sans=
-serif;font-size: 0;border-width: 0;padding: 0;padding-top: 0px;paddin=
g-right: 20px;padding-bottom: 0px;padding-left: 20px" valign=3D"top" a=
lign=3D"center"><!--[if mso]><table border=3D"0" cellspacing=3D"0" cel=
lpadding=3D"0" align=3D"center" style=3D"width:620px;" width=3D"620" c=
lass=3D"mso-table-width"><tr><td align=3D"left" valign=3D"top" style=3D=
"width:620px;" width=3D"620" class=3D"mso-column-width"><![endif]--><!=
-- STACK COLUMN : BEGIN --><div class=3D"stack-column stack-column-wid=
th" 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%" cellspacing=3D"0" cellpadding=3D"=
0" border=3D"0"><tbody><tr><td dir=3D"ltr" class=3D"col-inner ee_dropz=
one" 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" data-title=3D"Spacer" style=3D"font-si=
ze: 14px;text-align: left;min-width: 100%;table-layout: auto" width=3D=
"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0"><tbody><tr><td=
 style=3D"font-family: Helvetica, Arial, sans-serif;font-size: 1px;lin=
e-height: 1px"><img src=3D"http://i.emlfiles4.com/cmpimg/t/s.gif" styl=
e=3D"display: block; width: 1px; height: 20px;" alt=3D"" class=3D"" he=
ight=3D"20" border=3D"0" width=3D"1"></td></tr></tbody></table><table =
class=3D"row one-cols ee_columns ee_element" ee-type=3D"container" dat=
a-title=3D"1 column" style=3D"max-width: 100%;min-width: 100%;position=
: relative;background-color: rgb(249, 246, 242);table-layout: auto" wi=
dth=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" bgcolor=3D=
"rgb(249, 246, 242)" align=3D"center">
                            <tbody>
                              <tr>
                                <td class=3D"row-inner f-size-0 elemen=
t-pad col-inner" style=3D"font-family: Helvetica, Arial, sans-serif;fo=
nt-size: 0;border-width: 0;padding: 0;padding-top: 0px;padding-right: =
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 -->
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n-width" ee-percent-width=3D"100" style=3D"display: inline-block;width=
: 100%;vertical-align: top;min-width: 100%;max-width: 620px">
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idth=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0">
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                                    <tr>
                                      <td dir=3D"ltr" class=3D"col-inn=
er ee_dropzone" align=3D"left" style=3D"font-family: Helvetica, Arial,=
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0" cellpadding=3D"0" border=3D"0" bgcolor=3D"rgb(249, 246, 242)">
                            <tbody>
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rial, sans-serif;font-size: 1px;line-height: 1px">
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                                </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:=
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 align=3D"center"><tbody><tr><td class=3D"row-inner f-size-0 element-p=
ad col-inner" dir=3D"ltr" valign=3D"top" align=3D"center" style=3D"fon=
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dding: 0"><!--[if mso]><table border=3D"0" cellspacing=3D"0" cellpaddi=
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: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=
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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-p=
ad element-bord" style=3D"font-family: Helvetica, Arial, sans-serif;pa=
dding: 10px;border-width: 0;padding-top: 0px;padding-right: 20px;paddi=
ng-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;position: static"><p style=3D"word-wrap: break-word;word-bre=
ak: break-word;Margin: 0;margin-bottom: 0px;margin-top: 0px;line-heigh=
t: 32px;font-size: 28px;text-align: left;color: rgb(70, 70, 72)">
 <strong>More sophisticated options</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"col-font-reset ee_el=
ement ee_textelement" 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>
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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"><p style=3D=
"word-wrap: break-word;word-break: break-word;Margin: 0;margin-bottom:=
 0px;margin-top: 0px;font-size: 14px;line-height: 23px;color: rgb(70, =
70, 72)">
There are some more sophisticated options available, including Venture=
 Capital Trusts and the Enterprise Investment Scheme. These investment=
s provide high levels of tax relief on your investment but they are ve=
ry risky and are only suitable for certain investors. Find out if they=
 could be right for you in our tax-efficient investing guide.
</p></div>
                                            </td>
                                          </tr>
                                        </tbody>
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nt ee_spacer col-font-reset" ee-type=3D"element" data-title=3D"Spacer"=
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color: rgb(249, 246, 242);table-layout: auto" width=3D"100%" cellspaci=
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ing-right: 20px;padding-bottom: 0px;padding-left: 20px"><!--[if mso]><=
v:roundrect xmlns:v=3D"urn:schemas-microsoft-com:vml" xmlns:w=3D"urn:s=
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=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=
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able ee_pnggif_image vedpw208" width=3D"208" border=3D"0"></a></center=
>
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ont-reset" ee-type=3D"element" data-title=3D"Spacer" style=3D"font-siz=
e: 14px;text-align: left;min-width: 100%;background-color: rgb(249, 24=
6, 242);table-layout: auto" width=3D"100%" cellspacing=3D"0" cellpaddi=
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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=
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nt-size: 14px;text-align: left;min-width: 100%;table-layout: auto" wid=
th=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0"><tbody><t=
r><td style=3D"font-family: Helvetica, Arial, sans-serif;font-size: 1p=
x;line-height: 1px"><img src=3D"http://i.emlfiles4.com/cmpimg/t/s.gif"=
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"" height=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><table class=3D=
"row one-cols ee_columns ee_element" ee-type=3D"container" data-title=3D=
"1 column" style=3D"max-width: 100%;min-width: 100%;position: relative=
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%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" bgcolor=3D"rgb(255=
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-0 col-inner element-pad" style=3D"font-family: Helvetica, Arial, sans=
-serif;font-size: 0;border-width: 0;padding: 0;padding-top: 0px;paddin=
g-right: 20px;padding-bottom: 0px;padding-left: 20px" valign=3D"top" a=
lign=3D"center"><!--[if mso]><table border=3D"0" cellspacing=3D"0" cel=
lpadding=3D"0" align=3D"center" style=3D"width:620px;" width=3D"620" c=
lass=3D"mso-table-width"><tr><td align=3D"left" valign=3D"top" style=3D=
"width:620px;" width=3D"620" class=3D"mso-column-width"><![endif]--><!=
-- STACK COLUMN : BEGIN --><div class=3D"stack-column stack-column-wid=
th" 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%" cellspacing=3D"0" cellpadding=3D"=
0" border=3D"0"><tbody><tr><td dir=3D"ltr" class=3D"col-inner ee_dropz=
one" 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" data-title=3D"Spacer" style=3D"font-si=
ze: 14px;text-align: left;min-width: 100%;table-layout: auto" width=3D=
"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0"><tbody><tr><td=
 style=3D"font-family: Helvetica, Arial, sans-serif;font-size: 1px;lin=
e-height: 1px"><img src=3D"http://i.emlfiles4.com/cmpimg/t/s.gif" styl=
e=3D"display: block; width: 1px; height: 20px;" alt=3D"" class=3D"" he=
ight=3D"20" border=3D"0" width=3D"1"></td></tr></tbody></table><table =
class=3D"ee_element ee_textelement col-font-reset" ee-type=3D"element"=
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t: auto" data-title=3D"Text" width=3D"100%" cellspacing=3D"0" cellpadd=
ing=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: #333333;font-size: 14px;=
line-height: 23px">
For more information on any of these tax benefits and allowances pleas=
e get in touch by replying to this email, calling us on <b>020 7189 24=
00</b> or <font style=3D"color: rgb(191, 154, 94);"><b><a href=3D"http=
://updates.tilney.co.uk/378T-M6Q8-54P2BF-BWKKW-1/c.aspx" style=3D"text=
-decoration: none; color: rgb(191, 154, 94);" class=3D"">requesting a =
call back</a></b></font>.
</p></div>
                                            </td>
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                                      </table><table class=3D"ee_eleme=
nt ee_spacer col-font-reset" ee-type=3D"element" data-title=3D"Spacer"=
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t: auto" width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"=
0"><tbody><tr><td style=3D"font-family: Helvetica, Arial, sans-serif;f=
ont-size: 1px;line-height: 1px"><img src=3D"http://i.emlfiles4.com/cmp=
img/t/s.gif" style=3D"display: block; width: 1px; height: 40px;" alt=3D=
"" class=3D"" height=3D"40" 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><ta=
ble class=3D"row one-cols ee_columns ee_element" ee-type=3D"container"=
 data-title=3D"1 column" style=3D"max-width: 100%;min-width: 100%;posi=
tion: relative;background-color: rgb(6, 6, 8);table-layout: auto" widt=
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"rgb(6, 6, 8)" align=3D"center">
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                                  <td class=3D"row-inner f-size-0 elem=
ent-pad col-inner" style=3D"font-family: Helvetica, Arial, sans-serif;=
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: 20px;padding-bottom: 0px;padding-left: 20px" valign=3D"top" align=3D=
"center">

                                  <!--[if mso]>
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" cellpadding=3D"0" align=3D"center" style=3D"width:620px;" width=3D"6=
20" class=3D"mso-table-width">
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yle=3D"width:620px;" width=3D"620" class=3D"mso-column-width">
                                  <![endif]-->

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r=3D"0"><tbody><tr><td dir=3D"ltr" class=3D"col-inner ee_dropzone" ali=
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eight: 22px;color: #3a3a3a;width: 25.6667px;min-height: auto;display: =
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n: bottom;max-width: 100%;height: auto" class=3D"ee_editable ee_pnggif=
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 COLUMN : END --><!--[if mso]></td></tr></table><![endif]--></td></tr>=
</tbody></table></td></tr></tbody></table></div><!-- STACK COLUMN : EN=
D --><!--[if mso]></td><td align=3D"left" valign=3D"top" style=3D"widt=
h:228.95001220703125px;" width=3D"228.95001220703125" class=3D"column"=
><![endif]--><!-- STACK COLUMN : BEGIN --><div class=3D"stack-column s=
tack-column-width" ee-percent-width=3D"36.93" style=3D"display: inline=
-block;width: 36.93%;vertical-align: top;max-width: 36.93%;min-width: =
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"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"><!--[if mso]><table ce=
llpadding=3D"0" cellspacing=3D"0" width=3D"100%"><tr><td><![endif]--><=
div class=3D"ee-show-on-desktop" style=3D"display: none"><!--[if mso]>=
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ndif]--><table class=3D"ee_element ee_spacer col-font-reset" ee-type=3D=
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0" cellpadding=3D"0" border=3D"0"><tbody><tr><td style=3D"font-family:=
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c=3D"http://i.emlfiles4.com/cmpimg/t/s.gif" style=3D"display: block; w=
idth: 1px; height: 5px;" alt=3D"" class=3D"" height=3D"5" border=3D"0"=
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></tbody></table></div><!-- STACK COLUMN : END --><!--[if mso]></td></=
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"0"><tbody><tr><td style=3D"font-family: Helvetica, Arial, sans-serif;=
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"" class=3D"" height=3D"20" border=3D"0" width=3D"1"></td></tr></tbody=
></table>

                                       =20
                                       =20
                                        </td>
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                                  <!-- STACK COLUMN : END -->

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                                  <![endif]-->

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mns ee_element" ee-type=3D"container" data-title=3D"1 column" style=3D=
"max-width: 100%;min-width: 100%;position: relative;table-layout: auto=
" width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" alig=
n=3D"center"><tbody><tr><td class=3D"row-inner f-size-0 element-pad co=
l-inner" valign=3D"top" align=3D"center" style=3D"font-family: Helveti=
ca, Arial, sans-serif;font-size: 0;border-width: 0;padding: 0"><!--[if=
 mso]><table border=3D"0" cellspacing=3D"0" cellpadding=3D"0" align=3D=
"center" style=3D"width:660px;" width=3D"660" class=3D"mso-table-width=
"><tr><td align=3D"left" valign=3D"top" style=3D"width:660px;" width=3D=
"660" class=3D"mso-column-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;m=
in-width: 100%;max-width: 660px"><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" st=
yle=3D"font-family: Helvetica, Arial, sans-serif;border-width: 0;paddi=
ng: 0"><table class=3D"ee_element ee_spacer col-font-reset" ee-type=3D=
"element" style=3D"font-size: 14px;text-align: left;min-width: 100%;ba=
ckground-color: rgb(245, 245, 245);table-layout: auto" data-title=3D"S=
pacer" width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0"=
 bgcolor=3D"rgb(245, 245, 245)">
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rial, sans-serif;font-size: 1px;line-height: 1px">
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"" class=3D"" height=3D"40" border=3D"0" width=3D"1">
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                          </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">
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 style=3D"font-family: Helvetica, Arial, sans-serif;padding: 10px;bord=
er-width: 0;padding-top: 0px;padding-right: 10px;padding-bottom: 0px;p=
adding-left: 10px" valign=3D"top" align=3D"left">
                                <div class=3D"ee_editable" style=3D"fo=
nt-size: 14px;line-height: 22px;color: #3a3a3a;position: static"><p cl=
ass=3D"col-text" style=3D"word-wrap: break-word;word-break: break-word=
;Margin: 0;margin-bottom: 0px;margin-top: 0px;font-size: 14px;text-ali=
gn: left;line-height: 23px;color: rgb(74, 74, 74)">
 <b style=3D"color: rgb(74, 74, 74);">Important Information</b>
 <br>
 <br>
 <b style=3D"color: rgb(74, 74, 74);">The value of investments, and th=
e income derived from them, can go down as well as up and you can get =
back less than you originally invested.</b> This email does not consti=
tute personal advice. If you are in doubt as to the suitability of an =
investment please contact one of our advisers. Past performance is not=
 a guide to future performance.=20
 <br>
 <br>
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.
 <br>
 <br>
 SIPPs are not suitable for everyone. If you don=E2=80=99t want to inv=
est across different asset classes or don=E2=80=99t think you will mak=
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