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The advice provided on 'Ask the Expert' is general advice only. It has been provided without taking into account your objectives, financial situation or needs. Before acting on this advice you should consider the appropriateness of the advice, having regard to your own objectives, financial situation and needs.

The AOM Benefits Trust disclaims all and any guarantees, undertakings and warranties, expressed or implied, and shall not be liable for any loss or damage whatsoever (including human or computer error, negligent or otherwise, or incidental or consequential loss or damage) arising out of or in connection with any use or reliance on the information or advice on 'Ask the Expert'. The user accepts sole responsibility associated with the use of the material obtained from 'Ask the Expert', irrespective of the purpose for which such use or results are applied. The information on 'Ask the Expert' is not a substitute for financial advice.

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