Legal
Editorial Policy
How our guides are written, where the numbers come from, who checks them, and what we do when we get something wrong.
We publish several hundred guides and answers on UK personal finance. They are free, they carry no advertising, and no adviser firm has ever paid to appear in one or to change a word of one. This page explains how they are made, and how you should treat them.
Information, never advice
Everything in our Knowledge library is general information. It describes how a rule, product or decision generally works in the United Kingdom. It cannot know your circumstances, your other assets, your health or your family, and so it cannot tell you what to do. Regulated personal advice comes only from an FCA-authorised adviser, which is exactly what we introduce you to, free.
The firewall
Our writers do not know which adviser firms are in the network, and firms have no input into editorial content, ranking, or which guides exist. No firm has ever been named, recommended or reviewed in a guide. If that ever changes, this page changes first, and the relationship is disclosed on the page itself.
Where the numbers come from
Figures, allowances, thresholds, rates, deadlines, are taken from primary sources, not from other people’s articles:
- HM Revenue & Customs and GOV.UK for tax, allowances and thresholds
- The Financial Conduct Authority for regulatory rules and permissions
- The Money and Pensions Service and MoneyHelper for consumer guidance
- The Pensions and Lifetime Savings Association for the Retirement Living Standards
- The Office for National Statistics for population and cost-of-living data
- Local authority and NHS publications for care funding thresholds
Where a figure is genuinely uncertain, or where an announced change has not yet taken effect, we say so in the text rather than pick a number and hope. Where a rule is changing on a known date, pensions entering inheritance tax in April 2027, for instance, we describe both the current and the coming position.
How a guide is made
Scope
We start from the question a real person types, not from a keyword. If a guide cannot answer that question honestly, we do not write it.
Draft
The draft is written against primary sources, in British English, at the shortest length that does the topic justice. Risk is stated plainly, not buried.
Check
Every figure, threshold and date is verified against the source. Every internal link is checked to resolve. Where a topic carries statutory warnings, equity release, defined-benefit transfers, investment risk, the warning is mandatory, not optional.
Publish and revisit
Guides carry the date they were last reviewed. Budget and Autumn Statement changes trigger a sweep of everything affected.
Who writes these guides
Every guide carries the name of the editor responsible for it, and the same editor keeps the same topics over time, so you can see who stands behind what you are reading. Helena Marsh is our Editorial Director and decides what we publish. Tom Whitfield edits pensions, retirement income and transfers. Priya Raghavan edits investing, tax and inheritance.
They are editors, not advisers. Nobody on the editorial team holds an FCA permission, gives regulated advice, or has any dealings with the firms we introduce you to. That separation is deliberate: the people writing about a decision have nothing to gain from which decision you reach. Regulated personal advice comes only from the authorised firm we match you with.
Accuracy, and corrections
We will get things wrong. Tax rules are intricate, they change, and the changes are sometimes announced years before they bite. When we are told about an error we check it against the source and, if it is wrong, we fix it, quickly and without argument.
- 1
Tell us
Email support@vettedwealth.co.uk with the page and what you believe is wrong.
- 2
We verify it
Against the primary source, not against our own previous text.
- 3
We correct it
And where the error was material, a wrong threshold, a wrong deadline, a missing risk warning, we note the correction on the page.
- 4
We look for the same error elsewhere
A wrong figure is rarely wrong in only one place.
On artificial intelligence
We use software tools in drafting and checking our content, as most publishers now do. No page is published without a human deciding that it is accurate, useful and honest. The responsibility for what appears on this site is ours, not a tool’s. We do not publish machine-generated statistics, quotations, case studies or client outcomes, if you read a number on this site, it came from a named source above.
We do not invent testimonials, we do not fabricate adviser names or firm histories, and we do not publish “reviews” of firms we have a commercial relationship with. Our commercial model is set out plainly on how it works, and the limits of what we do are in our terms of use.
The short version
- Guides are free information, never personal advice.
- No adviser firm pays for coverage, influences content, or is named in a guide.
- Figures come from HMRC, the FCA, MoneyHelper, the PLSA and the ONS, not from other articles.
- Tell us when we are wrong and we will fix it, and say that we did.