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Copyright © Pattison James Associates Financial Services Ltd 2019. All rights reserved. Pattison James Associates Financial Services Ltd is an appointed representative of Intrinsic Mortgage Planning Limited and Intrinsic Financial Planning Limited who are authorised and regulated by the Financial Conduct Authority (see the FCA register at www.fca.org.uk/register - reference 440718). The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.