Disclaimer

Last updated: July 2026

The content published by 100 Tomorrow is intended to educate, inform and encourage thoughtful decision-making.

It should not be relied upon as personal financial, legal, tax or investment advice, or as a recommendation.

Nothing on this website creates a professional adviser-client relationship.

Investments can fall as well as rise in value and you may not get back what you invest. Past performance is not a guide to future returns.

Tax treatment depends on individual circumstances and may change in the future.

While every effort is made to ensure information is accurate at the time of publication, laws, regulations and personal circumstances change.

100 Tomorrow accepts no responsibility for any loss arising from reliance on information published on this website, to the fullest extent permitted by law.

Readers should seek appropriate professional advice before making decisions relating to their own circumstances.

Views expressed within articles represent the opinions of the author at the time of writing and may change.

Where this website refers to Scott Gallacher or Rowley Turton, any regulated financial advice is provided separately by Rowley Turton (IFA) Ltd, which is authorised and regulated by the Financial Conduct Authority.

100 Tomorrow is a separate educational platform operated by Gallacher Group Ltd. It is not an introducer, appointed representative or agent of Rowley Turton (IFA) Ltd. No referral fee, commission or other payment is received by 100 Tomorrow if a reader chooses to contact Scott Gallacher or Rowley Turton.

Any decision to contact Scott Gallacher or Rowley Turton is entirely at the reader’s discretion.