An ISA is a medium to long term investment, which aims to increase the value of the money you invest for growth or income or both. The value of your investments and any income from them can fall as well as rise. You may not get back the amount you invested. HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen. Tax concessions are not guaranteed and may change in the future. Tax free means the investor pays no tax. For specialist tax advice, please refer to an accountant or tax specialist. To set up a Will, you will need to speak to a solicitor or Will writing specialist. Will writing is not regulated by the Financial Conduct Authority. This was approved by the Openwork Partnership on 06/02/2023 For further information on any of the above, please speak to your adviser, contact KBA to book a meeting with one of our team by calling 01942 889883 or email [email protected] Written on behalf of the KBA team by: Sarah Hogan, Chartered Financial Planner Company Director www.kbafinancial.com