How Unio Financial Services Limited trading as Unio, Unio Employee Benefits and Unio Wealth Management (Unio) approaches the integration of sustainability risks into the advice we give you about our products


Regulation (EU) 2019/2088 on sustainability-related disclosures in the financial services sector (“SFDR”)
If we refer to ‘sustainability risk’, we are referring to the environmental, social or governance (ESG) event or condition that could cause an actual or a potential negative impact on the value of a product we recommend to you. Unio does not currently take specific account of sustainability risks in its advice process. How we include sustainability factors in our advice process will develop over time. This will be largely driven by the products and investment funds available and how these products factor in sustainability risks However as part of our research and assessment of products, Unio examines the Product Providers’ literature to compare financial products and to make informed decisions about ESG products. Unio will at all times act in the client’s best interests and keep clients informed accordingly. The consideration of sustainability risks can impact on the returns of financial products.
For further information on the Sustainability goals of our Diversified Fund range offering please see the documents below


Website Disclosure                                     Pre-Contractual Disclosure

Cautious                                                     Cautious

Moderate                                                    Moderate

Growth                                                       Growth

High Growth                                                High Growth