Legal Disclaimer

Investment Health Checks is a trading name of CWD Research Consulting Limited, a company registered in England and Wales (company no. 15661149). We are not authorised or regulated by the Financial Conduct Authority. We do not give regulated financial advice or personal recommendations, and we do not tell you to buy, sell, hold, switch, transfer or cash in any investment or pension.

We review the costs of the investments and pensions you already hold, compare them against the benchmarks we use, explain what we find and suggest questions you may want to ask your adviser or provider. Our reports, our Free Initial Screen and everything we say to you are information to help you have a better-informed conversation. None of it is an assessment of whether your investments are suitable for you.

Before you make any change, speak to your adviser or an FCA-authorised financial adviser. Moving or cashing in investments or pensions can involve exit charges, tax and the loss of valuable benefits or guarantees. If you hold a defined benefit (final salary) pension or a pension with guaranteed benefits, you should take regulated advice before making any decision about it. Free, impartial guidance is available from MoneyHelper (moneyhelper.org.uk) and, if you're 50 or over with a defined contribution pension, Pension Wise.

Because we're not FCA regulated, our services aren't covered by the Financial Ombudsman Service or the Financial Services Compensation Scheme. Our Complaints Procedure explains how we handle complaints.

We're paid only by our clients. We don't receive commission or referral fees from any adviser, provider, platform or fund manager.

Past performance is not a reliable guide to future returns. The value of investments can go down as well as up. Any projections or savings illustrations on this site or in our reports are examples based on stated assumptions, not forecasts or promises.

Our reports are based on the documents you give us. You're responsible for making sure they're accurate, complete and up to date; if they aren't, our findings may not be either. We don't verify what you submit against your provider's own records.

Some of our analysis may use software to help extract figures and carry out calculations, and a member of our team reviews every report before it's sent.

Content on this website is general information about investment costs. It isn't tailored to you, and you shouldn't rely on it to make decisions. We try to keep it accurate and up to date but can't guarantee that it always is.

Our site may link to third-party websites, such as MoneyHelper or the Financial Ombudsman Service, for your convenience. We don't control them and aren't responsible for their content, accuracy or availability.

You may use this site for your own personal, non-commercial purposes. You mustn't copy, reproduce or republish our content, misuse the site, or attempt to interfere with how it runs.

This page, and your use of our website and services, is governed by the law of England and Wales, and the English and Welsh courts have jurisdiction over any dispute.