Important Information & Regulatory Status
This page provides important regulatory, risk, and service information relating to Hoxton Wealth (UK) Ltd.
Understanding the Regulatory Status and Important Information
It is designed to ensure transparency and clarity in accordance with Financial Conduct Authority requirements and Consumer Duty standards.
The information below should be read alongside any suitability report, client agreement, or service documentation provided to you.
Regulatory Status
Hoxton Wealth (UK) Ltd is authorised and regulated by the Financial Conduct Authority (FCA).
Company Number: 11180844
Financial Conduct Authority Reference Number: 586130
Registered Office: 101 New Cavendish Street, London W1W 6XH
The FCA regulates financial services firms in the United Kingdom to ensure they meet standards relating to conduct, capital adequacy, systems and controls, and client protection.
You can verify the firm’s regulatory status on the FCA Register.
Scope of Advice
Hoxton Wealth (UK) Ltd provides independent financial advice.
Independent advice means recommendations are based on a comprehensive and unbiased assessment of the retail investment market within the firm’s regulatory permissions.
The firm provides advice to UK domestic clients in areas including:
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Pensions and retirement planning (excluding defined benefit transfers and safeguarded benefits)
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Investment planning
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Tax-aware financial structuring
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Protection planning
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Estate planning coordination
Hoxton Wealth (UK) Ltd does not advise on defined benefit pension transfers or on pensions containing safeguarded benefits.
If you are considering a defined benefit transfer or hold safeguarded benefits, you must seek advice from a firm authorised to provide that specific service.
No Personal Advice on This Website
The content on this website is provided for general information purposes only.
It does not constitute:
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Personal financial advice
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A recommendation to invest
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An offer to arrange or enter into a financial agreement
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A guarantee of future performance
Any financial decision should only be made after receiving a personalised recommendation based on your individual circumstances.
Investment Risk Warning
All investments carry risk.
The value of investments can fall as well as rise, and you may get back less than you invest. Past performance is not a reliable indicator of future results.
Investment returns are not guaranteed unless explicitly stated within the terms of a regulated insurance contract.
Specific risks may include:
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Market volatility
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Inflation risk
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Currency risk (where overseas assets are held)
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Interest rate risk
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Liquidity risk
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Counterparty risk
Diversification can help manage risk, but does not eliminate it.
Pension Risk Warning
Pension values are not guaranteed unless held within a guaranteed product.
Where income is taken using flexi-access drawdown:
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Income is not guaranteed
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The fund remains invested and exposed to market movements
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Withdrawals may reduce the sustainability of the fund
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Poor investment performance combined with high withdrawals may lead to funds running out
Annuities provide income based on the terms agreed at outset and are usually irreversible once purchased.
Pension access rules are governed by legislation and may change. The minimum pension access age is currently 55, rising to 57 from April 2028 for many individuals.
Taxation
Tax treatment depends on individual circumstances and current legislation.
Tax rules, allowances and thresholds may change in future.
Examples of tax considerations include:
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Income tax on pension withdrawals
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Capital gains tax on investments
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Inheritance tax exposure
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Lifetime and annual pension allowances (where applicable)
Hoxton Wealth (UK) Ltd provides tax-aware financial planning but does not provide standalone tax advice unless agreed as part of the advice engagement. In certain cases, clients may be advised to seek specialist tax advice.
Charges and Fees
All charges are disclosed before any commitment is made.
Charges may include:
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Initial advice fees
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Ongoing service fees
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Product provider charges
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Investment management costs
You will receive written disclosure of all relevant costs, including aggregated cost illustrations where required under regulation.
Fees must be agreed before implementation.
Charges will reduce overall returns.
Conflicts of Interest
Hoxton Wealth (UK) Ltd maintains a conflict of interest policy designed to identify, manage, and mitigate potential conflicts.
Where a conflict cannot be avoided, it will be disclosed to you in writing.
The firm does not accept commission on new retail investment business where prohibited by regulation.
Client Money and Assets
Where applicable, client money and assets are held in accordance with FCA client asset rules.
In most cases, investments are held with third-party product providers or custodians regulated in the UK. These institutions are responsible for the safekeeping of client assets under regulatory oversight.
Complaints Procedure
If you are dissatisfied with any aspect of the service provided, you have the right to make a complaint.
Complaints should be directed to:
Compliance Department
Hoxton Wealth (UK) Ltd
101 New Cavendish Street
London W1W 6XH
The firm will acknowledge your complaint promptly and investigate in accordance with FCA rules.
If you are not satisfied with the final response, you may refer your complaint to the Financial Ombudsman Service within the required time limits.
Financial Services Compensation Scheme (FSCS)
Eligible clients may be entitled to compensation from the Financial Services Compensation Scheme if a regulated firm is unable to meet its obligations.
Compensation limits vary depending on the type of product or service.
The FSCS does not compensate for investment losses arising from normal market performance.
Further details are available from the FSCS website or upon request.
Data Protection
Hoxton Wealth (UK) Ltd processes personal data in accordance with UK data protection legislation.
Personal information is collected and used solely for legitimate business purposes, including regulatory compliance and advice provision.
Further details are provided in the firm’s Privacy Policy.
Forward-Looking Statements
Any projections, forecasts or modelling tools provided as part of financial planning are illustrative only.
They are based on assumptions about:
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Future investment returns
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Inflation
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Taxation
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Personal expenditure
Actual outcomes may differ materially from projections.
Limitation of Liability
Advice is provided based on the information supplied by you. If information provided is incomplete or inaccurate, the suitability of advice may be affected.
Nothing in this section seeks to limit liability where it would be unlawful to do so.
Consumer Duty
Hoxton Wealth (UK) Ltd is committed to delivering good outcomes for retail clients in accordance with FCA Consumer Duty requirements.
This includes:
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Acting in your best interests
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Providing clear and understandable information
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Ensuring fair value
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Offering appropriate ongoing support
Important Reminder
Financial planning involves long-term decisions. It is important that you:
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Read all documentation carefully
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Ask questions where clarification is needed
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Keep your adviser informed of changes in circumstances
Clear communication supports better outcomes.
This page is provided for general information only and does not constitute personal financial advice or a recommendation.
Hoxton Wealth (UK) Ltd (Company No. 11180844) is authorised and regulated by the Financial Conduct Authority (FRN 586130). Registered office: 101 New Cavendish Street, London W1W 6XH.
