Regulatory Notice

Under the EU’s Sustainable Finance Disclosure Regulations (SFDR), we are required to notify you of our treatment of sustainability factors in formulating our investment advice.

We consider the adverse impacts of investment decisions on sustainability factors in our Investment Advice and our Insurance Based Investment Advice, at the initial stages of our research, in our recommendations, and in any periodic reviews we provide to clients.

The assessment of sustainability risks is integrated into our Investment Advice and our Insurance Based Investment Advice through the following means:

• the product information provided to us by the Product Producers and Insurers on the integration of sustainability risks
• our professional interrogation of the information provided by the Product Producers and Insurers
• our in-house Investment Research as we keep our investment knowledge current and relevant

We will advise you of the likely impacts of sustainability risks on the returns of the financial products we may recommend.