Important Information

About Sightable

Sightable is a retirement planning education and modelling platform designed to help you better understand your financial position, explore your future and make more informed decisions about your retirement.

Sightable combines structured financial education, professional-grade financial modelling, Intelligent Modelling Support (IMS) and optional one-to-one guidance.

Sightable is built around an Assisted Self-Management approach. You remain responsible for your own financial decisions. Sightable provides the knowledge, tools and support to help you understand and explore those decisions, but does not make them for you.

Financial Advice

Sightable provides financial education, information, modelling support and guidance. It does not provide regulated financial advice or personal recommendations.

Nothing provided through the Sightable platform, its educational content, financial modelling tools, Intelligent Modelling Support, communications or one-to-one guidance should be treated as a recommendation to buy, sell, hold or change a particular investment, pension, financial product or other financial arrangement.

Where you require a personal recommendation based on your individual circumstances, you should seek appropriately regulated financial advice.

Financial Modelling and Projections

Financial modelling is designed to help you explore how your finances might develop under different assumptions and circumstances. It is not a prediction of what will happen.

The results produced by financial modelling depend on the information and assumptions entered into the model. These may include assumptions about investment returns, inflation, interest rates, taxation, income, expenditure, life expectancy and future events.

Actual outcomes will differ from those modelled, potentially significantly.

Sightable encourages you to explore different scenarios and test your plan against uncertainty rather than relying on a single projection as an expected outcome.

You are responsible for ensuring that the information entered into your financial model is accurate and for deciding which assumptions and scenarios are appropriate to explore.

VoyantGo

Sightable membership includes access to VoyantGo financial modelling software where this forms part of your membership.

VoyantGo is provided by Voyant and is a third-party product. Sightable provides education and support to help members understand and use the software within the Sightable planning framework, but does not control the operation, availability or development of the Voyant software.

Outputs produced by VoyantGo depend on the information and assumptions entered and should be considered in the context of the limitations of financial modelling described above.

Intelligent Modelling Support

Sightable’s Intelligent Modelling Support (IMS) is an AI-powered support tool designed around the Sightable framework.

IMS can help you understand modelling outputs, clarify financial planning concepts, navigate VoyantGo, explore scenarios and better understand the implications of different assumptions.

IMS does not provide regulated financial advice, make personal recommendations or make financial decisions for you.

Although IMS is grounded in Sightable’s educational framework, modelling methodology and curated knowledge resources, artificial intelligence can produce responses that are incomplete, inaccurate or inappropriate to particular circumstances.

You should therefore use IMS to support your own understanding rather than treating its responses as authoritative instructions or recommendations.

Where a question or decision is particularly important, complex or dependent on your individual circumstances, you should consider obtaining appropriate professional advice.

One-to-One Guidance

Sightable members may have access to optional one-to-one guidance sessions with a Sightable Guide.

These sessions are designed to help you understand financial planning concepts, work through your financial model, explore different possibilities and improve your understanding of the choices available to you.

A Sightable Guide will not provide a personal recommendation or tell you which investment, pension, financial product or course of action you should choose as part of the Sightable guidance service.

If your circumstances or questions require regulated financial advice, this will be explained to you and you may be encouraged to seek advice from an appropriately authorised financial adviser.

You are under no obligation to use any particular adviser or firm.

Investments and Investment Risk

Where Sightable discusses investments, investment principles, asset allocation, risk, diversification or investment returns, this information is provided for educational and modelling purposes.

Sightable does not recommend particular investments or investment products to individual members.

The value of investments can fall as well as rise, and you may get back less than you invest. Past performance is not a reliable guide to future performance.

Any investments, portfolios or investment strategies used within Sightable educational material or examples are illustrative and should not be interpreted as personal recommendations.

Taxation

Sightable may provide educational information about taxation and may help you understand tax calculations or projections within your financial model.

Tax treatment depends on individual circumstances, and tax rules and rates may change.

Information provided through Sightable should not be treated as personal tax advice. Where appropriate, you should obtain advice from a suitably qualified tax professional.

Pensions

Sightable contains educational material relating to pensions and retirement income planning.

Pension and tax rules can be complex and may change over time. Some pension decisions can also have significant or irreversible consequences.

Information and modelling provided through Sightable should therefore be used to improve your understanding and explore possibilities rather than as a substitute for regulated financial advice where a personal recommendation is required.

Keeping Information Up to Date

Sightable takes reasonable steps to ensure that its educational material and curated knowledge resources are accurate and current.

Financial rules, taxation, legislation and software functionality can nevertheless change, and information may become outdated.

You should check that information remains current before relying on it when making an important financial decision.

Your Decisions Remain Your Responsibility

Sightable is designed to improve understanding, visibility and confidence around retirement planning. It cannot eliminate uncertainty or guarantee any particular financial outcome.

You remain responsible for the decisions you make and for deciding whether you have sufficient knowledge and confidence to make those decisions yourself or whether professional advice is appropriate.

About the Provider

Sightable is operated by VFE Group Ltd, a company registered in England and Wales.

VFE Group Ltd is not authorised or regulated by the Financial Conduct Authority and does not provide regulated financial advice or personal recommendations through Sightable.

Sightable is an independent financial education, modelling and guidance service. The Sightable Content Host and Sightable Guides may also hold professional roles within regulated financial advice businesses. Any such roles are separate from the services they provide through Sightable, and their involvement with Sightable should not be understood as the provision of regulated financial advice.

VFE Group Ltd
Registered in England and Wales
Company number: 12603378
Registered office: 128 City Road, London, EC1V 2NX
Email: support@sightable.co.uk

Please note that our registered office is not a customer correspondence address. Please contact us by email for customer enquiries.