The least risky of investment options are those offered by National Savings, which raises money on behalf of the UK Government.

While investment returns are not exceptional and some involve tying your money up for long periods, they are nevertheless stable and in some cases can be paid tax free.

They include National Savings Bank accounts and various forms of savings and Income Bonds. These savings and investment products are backed by H.M. Treasury, which makes them the most secure cash products available in the UK.

!

THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE ON NATIONAL SAVINGS PRODUCTS.

THE VALUE OF INVESTMENTS AND THE INCOME THEY PRODUCE CAN FALL AS WELL AS RISE. YOU MAY GET BACK LESS THAN YOU INVESTED.

TAX TREATMENT VARIES ACCORDING TO INDIVIDUAL CIRCUMSTANCES AND IS SUBJECT TO CHANGE.

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Trust my hard earned savings to a banker to invest? Not me! I use Harmony Wealth Management. Harmony for friendly, simply explained, trustworthy and truly independent financial advice.

Trevor Mee, S. Lanarkshire, Scotland

Mr Neil Smith has been looking after my mother's financial affairs for a number of years. He has always dealt with our queries promptly and he is always very professional and friendly, nothing is too much trouble. A great guy and we hope he will be acting on our behalf for many years to come.

Ann Selby (Mrs) for: Mrs. E. Cunningham (December 2009)

Harmony Wealth have overseen our entire financial affairs from their inception and for many years previously by Neil.

We have found their impartial and independent advice invaluable, covering a wide area of our requirements, all of which has been handled with extreme confidentiality, punctuality, reliability and friendly professional service.

Nothing has been too much trouble and we have had no hesitation in recommending them to a number of friends and colleagues, all of whom have expressed their thanks for doing so.

The addition of a Will writing service and being able to arrange Lasting Powers of Attorney has been a much welcome benefit, thereby alleviating the need to engage other professionals in what is a private and delicate subject.

T J & K Winter Norwich

01246 224 030
Penmore House,
Hasland Road,
Chesterfield,
S41 0SJ.

enquiries@harmonywm.co.uk