Page 18 - Budget Newsletter November 2022

Disclaimers: The information and illustrations contained in this newsletter are for general consideration only and is subject to
change dependent on specific legal implementation. Tax treatment depends on individual circumstances and may also change in
the future. You should not take, or refrain from taking, action based on its content and no part of this document should be relied
upon or construed as any form of advice or personal recommendation.

Accordingly, Raymond James has no responsibility whatsoever for all and any losses that may result from such action or inaction
and it is essential that professional advice is taken. With investing, your capital is at risk.

If you have any questions, please speak to your Wealth Manager in the first instance.

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Raymond James Investment Services Limited is a member of the London Stock Exchange and is authorised and regulated by the
Financial Conduct Authority Registered in England and Wales number: 3779657 Registered Office: Ropemaker Place 25 Ropemaker
Street London EC2Y 9LY.