Last Updated: 21 July 2026
Wealth365 is an educational retirement planning tool operated by Wealth365 Ltd (registered in Northern Ireland, company number NI740485, registered office 19 Milltown Street, Warrenpoint, Co. Down BT34 3PS). All information, calculations, and projections are provided for illustrative purposes only and do not constitute financial, tax, legal, or investment advice.
This website and its services are intended exclusively for residents of the United Kingdom. The tax rates, pension rules, State Pension calculations, and other financial information are based on UK legislation and are not applicable to other jurisdictions. We do not offer our services to individuals outside the UK.
Wealth365 is not authorised or regulated by the Financial Conduct Authority (FCA) to provide financial advice, investment advice, or any other regulated financial services.
Nothing on this website should be construed as:
Where we provide links to financial adviser directories or other financial services providers, we act as an introducer only under Article 33 of the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001 (RAO).
This means:
Because Wealth365 Ltd is not authorised or regulated by the Financial Conduct Authority (FCA), our service is not covered by the Financial Ombudsman Service (FOS). This means that if you are dissatisfied with our service, you cannot refer a complaint to the FOS for independent adjudication.
Your use of Wealth365 is also not protected by the Financial Services Compensation Scheme (FSCS). The FSCS protects eligible consumers when FCA-authorised firms fail. Because we are not FCA-authorised, no FSCS cover applies to any money paid to us (for example, subscription fees) or to any loss arising from your use of this service.
If you have a complaint about Wealth365 itself, please use our internal complaints procedure described in our Terms of Service.
The retirement projections and calculations provided by Wealth365 are based on assumptions and simplifications. You should be aware that:
We endeavour to use accurate and up-to-date information from official sources, including:
| Data Type | Source |
|---|---|
| Income Tax rates and bands | HMRC / GOV.UK |
| National Insurance rates | HMRC / GOV.UK |
| State Pension amounts | DWP / GOV.UK |
| Pension Annual Allowance | HMRC / GOV.UK |
| ISA allowances | HMRC / GOV.UK |
| Capital Gains Tax rates | HMRC / GOV.UK |
| Inheritance Tax thresholds | HMRC / GOV.UK |
However, we cannot guarantee that all information is current or error-free. Always verify important figures with official sources before making financial decisions.
Before making any significant financial decisions, we strongly recommend you seek advice from:
You can verify whether an adviser is FCA-authorised by checking the FCA Financial Services Register. You can also search our directory of FCA-regulated advisers.
The UK government funds two free services that can help you understand your pension and retirement options before you commit to any course of action:
If you are aged 50 or over and have a defined contribution pension, you have a right to a free Pension Wise appointment before accessing your pension. We encourage you to use it.
You should consider seeking professional advice if you are:
Nothing in this disclaimer affects any non-excludable rights you have as a consumer under the Consumer Rights Act 2015 or any other applicable UK consumer protection legislation. In particular, nothing below excludes or limits our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot be excluded or limited by law.
Subject to the paragraph above:
If you are a consumer, these limitations do not affect your statutory rights, including your right to receive services performed with reasonable care and skill under the Consumer Rights Act 2015.
This website may contain links to third-party websites, including:
We are not responsible for the content, accuracy, or practices of any third-party websites. Links are provided for convenience only and do not imply endorsement.
Where you find a financial adviser through our directory, Wealth365 receives no payment from any listed firm. Listings are drawn from publicly available FCA Register data; inclusion is not a recommendation or endorsement. Introductions are free for consumers. You can search all FCA-authorised advisers for free on the FCA Register.
Our recommendations and referrals are based on what we believe may be useful to our users, but you should always conduct your own research and verify the credentials of any adviser or service provider.
We may update this disclaimer from time to time. The "Last Updated" date at the top of this page indicates when changes were last made. We encourage you to review this page periodically.
If you have any questions about this disclaimer, please contact us:
Wealth365 Ltd
Registered in Northern Ireland, company number NI740485
Registered office: 19 Milltown Street, Warrenpoint, Co. Down BT34 3PS
Email: contact@wealth365.co.uk
This disclaimer is governed by and construed in accordance with the laws of England and Wales. Any disputes arising from this disclaimer or your use of the website shall be subject to the jurisdiction of the courts of England and Wales, except as set out below for consumers resident elsewhere in the United Kingdom.
If you are a consumer resident in Scotland, you may also bring legal proceedings in the Scottish courts, and if you are a consumer resident in Northern Ireland, you may also bring legal proceedings in the Northern Irish courts. Nothing in this disclaimer affects your rights as a consumer to rely on the mandatory consumer protection laws of the part of the United Kingdom in which you live.