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The ratings produced by us (RQ Ratings Limited) should be used as a background guide only and are statements of opinion, not fact. They have been produced by us following initial due diligence carried out on the financial adviser and are updated monthly following ongoing monitoring. The ratings focus on the financial adviser's client proposition, their internal structures and governance which underpin and facilitate the delivery of services and advice to clients, their trading and regulatory history and their financial soundness (by reference to their management and public accounts). RQ Ratings Limited does not assess or consider the quality of each firm's advice on individual client files or their investment track record.

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