The long version, for anyone who wants to know exactly where the line is drawn between education and regulated advice.
What Money Sorted is
Money Sorted is a UK-focused financial literacy and education project. The content on this site — articles, courses, eBooks, podcast episodes, newsletter issues, the ten questions, the jigsaw hubs, the chatbot, and anything else we publish here — is designed to help people (young adults first, everyone else second) understand how money works in the UK. The goal is to give you the tools and the vocabulary to make your own decisions, not to make those decisions for you.
What Money Sorted is not
Money Sorted is not a firm of financial advisers. It is not authorised or regulated by the Financial Conduct Authority (FCA). Nothing on this site is a personal recommendation, and nothing on this site takes into account your specific circumstances, your tax position, your risk tolerance, your existing holdings, your debts, your family situation, your pension pot, your health or anything else that would be relevant to a proper piece of regulated advice.
Money Sorted is also not a comparison site, a broker, a lender, an insurer, a platform or a product issuer. If any content on the site mentions a specific product, provider, tool or service, that mention is for illustration — not endorsement, not recommendation, and not a suggestion that you should use it.
Tim Pethick
Tim Pethick is the author of the Money Sorted content. Tim is a chartered accountant (FCA, ICAEW and CAANZ) with more than twenty-five years in senior finance and general-management roles. Tim is not authorised by the Financial Conduct Authority to give regulated financial advice, and nothing written here should be read as Tim giving you personal advice about your money.
Before you make a decision
If you are about to make a decision that will meaningfully change your money situation — taking on debt, investing, switching or combining a pension, buying insurance, cancelling a financial product, signing a mortgage, signing a tenancy, signing anything — please either do your own thorough research, speak to someone authorised to give you regulated advice for your specific circumstances, or use one of the free impartial services listed below before you decide.
Where to get proper advice and help
MoneyHelper — the UK government’s free money and pensions guidance service. Covers almost every topic on this site at a general level, and can point you to regulated advisers where appropriate.
StepChange — free, impartial debt advice if you are struggling with debt or think you might be about to. Registered UK debt charity.
Citizens Advice — free advice on debt, benefits, housing, consumer rights and money problems generally, including in-person appointments in most UK towns.
The FCA Register — lets you check whether any firm or individual is authorised by the FCA before you hand them any money or take any advice from them. If they’re not on the register, do not give them money.
ScamSmart — the FCA’s own scam-awareness service. Worth bookmarking.
Investment warning
Investments can go up and down. Past performance is not a reliable indicator of future performance. You can get back less than you put in. Any content on this site that discusses investing, ISAs, pensions, stocks, funds, property or similar is educational and does not take your personal situation into account. If in doubt, speak to someone authorised to advise you.
Accuracy and changes
We try to keep the content on this site accurate and up to date, but the UK tax, pension, benefit and regulatory system changes frequently, and we may not always catch every change on the day it happens. If something on this site looks out of date, please tell us at hello@moneysorted.uk and we will fix it.
Contact
If you have any questions about this disclaimer, or about anything else on the site, please write to hello@moneysorted.uk.