Sustainability Factors – Investment/IBIPs/Pension Advice

In accordance with the Sustainable Finance Disclosure Regulation (‘SFDR’), we inform you that when providing advice on insurance-based investment products/Investments, we assess, in addition to relevant financial risks, relevant sustainability risks as far as this information is available in relation the products proposed/advised on.

This means that we assess environmental, social or governance events/conditions that, if they occur, could have a material negative impact on the value of the investment.

We integrate these risks in our advice by reviewing the product provider literature in relation to sustainability risks, we liaise with the providers in relation to any queries in relation to the funds.  This information is reviewed by the firm on an ongoing basis.

Considering Principal Adverse Impacts on sustainability factors in the advice

When providing advice on insurance-based investment products (‘IBIPs’) or investment advice we assess the Principal Adverse Impacts (PAI) information published by product manufacturers by examining the Product Providers literature to establish the PAI for the relevant products.

The firm will then compare financial products across available providers to make informed investment decisions about the suitability of ESG products for individual clients.

We assess the likely impacts of sustainability risks on the returns of the IBIPs based on the information in the product documentation provided by the product providers.