Affiliate Disclosure

Published: 28 May 2026 · Last reviewed: 7 October 2026 · Next scheduled review: 28 November 2026 · Author and reviewer: Kestutis Balciunas

The 30-second version

Some links on Financial Expert Class go to brokers and platforms that pay me a referral fee. If you open an account or take a qualifying action through one of those links, I may earn a commission. You never pay more because of it — pricing is the same whether you use my link or go direct. I only recommend products I use myself or have researched in depth, and no broker has any influence over what I write. The full detail of how that works, per broker, sits below.

What this page covers

This page explains the financial relationships between Financial Expert Class and the third-party brokers, platforms, and services I link to. Financial Expert Class is operated by Aurum Digital Marketing LTD, a private limited company registered in England and Wales, United Kingdom. The same disclosure applies to links from my Substack newsletter at getdividends.net, from my Medium profile, and from any other channel I publish on. I want you to know exactly when I have skin in the game, how I earn money from this site, and how I keep editorial decisions independent from those payments. This document is paired with my Editorial Process page, which explains how reviews are researched, fact-checked, and updated.

What is an “affiliate link”?

An affiliate link is a special tracking URL that tells a broker or platform that you arrived via Financial Expert Class. If you then open an account, deposit funds, place a qualifying trade, or perform some other action the partner defines, the partner pays Financial Expert Class a referral fee. Often it is a one-time amount. Sometimes it is a small share of the fees the partner earns from you. Your costs do not change. You pay the same fees, get the same promotions, and have the same legal relationship with the broker as anyone who came to them directly. The broker, not you, pays me.

Brokers and platforms I am affiliated with

As of the last review date at the top of this page, I have an active affiliate or partner relationship with the following ten companies. All ten are currently live. Historical partnerships that have ended are noted in the Changes log near the bottom of this page.

• Freedom24 — European-licensed broker (Freedom Finance Europe Ltd, Cyprus, CySEC-regulated). I use Freedom24 personally and recommend it primarily for European investors who want broad European exchange access (Xetra, Euronext, LSE) and individual US stocks; verify the current product range and pricing on Freedom24’s own site.
• Interactive Brokers (IBKR) — Multi-jurisdictional broker regulated by the U.S. SEC, the UK FCA, the Central Bank of Ireland, and others. Best known for low margin rates and global market access.
• XTB — Pan-European broker headquartered in Poland, regulated by KNF and other EU national regulators. Commission-free for many European ETFs and fractional shares (subject to monthly turnover thresholds).
• Nexo — Crypto-asset platform offering interest on deposits and crypto-backed credit. Holds VASP registrations and licences in several jurisdictions but is not prudentially supervised in the same way as a CySEC/BaFin/FCA-authorised broker, and has faced enforcement action on its Earn product in some markets. Crypto platforms carry substantially higher risk than traditional brokers.
• eToro — multi-asset broker with social-trading and ETF access. Affiliate URL: med.etoro.com. eToro pays a referral fee when readers open an account through that link; editorial coverage is independent.
• Trade Republic — German neobroker (BaFin-regulated) offering low-cost ETFs, fractional shares, ETF savings plans, and a cash account with interest.
• Wise — international money transfer and multi-currency account (an e-money service, not a broker), which I use to convert currency at the mid-market rate when funding a broker or buying foreign-currency funds. Referral link: wise.com. Wise pays a one-time referral reward when a new customer completes a qualifying first transfer through that link; editorial coverage is independent.
• Snowball Analytics — portfolio-tracking and dividend-analytics software (not a broker, bank or adviser), which I use to monitor dividends, positions and allocation across my brokers in one dashboard. Affiliate link: snowball-analytics.com (sign-up code financialexpertclass). Snowball pays a commission when a new user subscribes to a qualifying paid plan through that link; editorial coverage is independent.
• Saxo — Saxo Bank A/S, a licensed Danish investment bank and multi-asset broker (ETFs, stocks, bonds, options, FX), which I use for its professional platforms and deep global-market access on the larger, more active part of my portfolio. Affiliate link: refer.saxo. Saxo pays a commission when a referred client opens and funds an account; editorial coverage is independent.
• Scalable Capital — German neobroker and robo-advisor (Scalable Capital GmbH / Scalable Capital Bank GmbH, Munich, BaFin-supervised), known for its large commission-free ETF savings-plan range. I use it as my savings-plan accumulation engine. Affiliate link: scalable.capital. Scalable pays a commission when a referred client opens and funds a qualifying brokerage account; editorial coverage is independent.

If you see a link to any other broker or financial product on this site that is not on the list above, it is not an affiliate link — it is provided for reference only.

Per-broker disclosure detail

Regulators (especially the UK ASA and the U.S. FTC) expect specific rather than generic disclosure. So below is one paragraph per affiliated partner. Each covers the legal entity, regulator, compensation model class, payout trigger, jurisdictional restrictions I know about, and why I personally use the broker.

Freedom24 (Freedom Finance Europe Ltd)

Legal entity: Freedom Finance Europe Ltd, incorporated in Cyprus. Regulator: Cyprus Securities and Exchange Commission (CySEC), with passporting across the EEA (European Economic Area) under MiFID II. Compensation model: primarily CPA (cost-per-acquisition, a one-time fee per funded account) with a tiered component based on the funded deposit size; not a rev-share on per-trade fees. Trigger for payout: you open a new account, pass identity checks (KYC), deposit at least a minimum amount the partner sets, and place at least one qualifying trade within a set time window (usually 30 to 90 days). Jurisdictional notes I am aware of: Freedom24 is not offered to UK retail clients because Freedom Finance Europe Ltd operates under CySEC rather than the FCA, and it does not currently serve U.S. residents under this entity. Why I personally use them: I opened my own Freedom24 account in early 2022 for individual US stocks and broad European exchange access from an EU base. For UCITS-only European investors, this is usually overkill — XTB or Trade Republic is normally a better starting point. Open Freedom24 account

Interactive Brokers (IBKR)

Legal entity depends on where you live. Most EEA clients sign with Interactive Brokers Ireland Limited, regulated by the Central Bank of Ireland. UK-resident retail clients continue to sign with Interactive Brokers (U.K.) Limited, regulated by the FCA. U.S. clients sign with Interactive Brokers LLC, regulated by the U.S. SEC and FINRA (the U.S. self-regulator for broker-dealers). Compensation model: hybrid — a referral component plus a small ongoing rev-share tied to commissions IBKR earns from referred accounts. Trigger for payout: a funded account that completes onboarding under the relevant entity. Jurisdictional notes: in 2021, post-Brexit, IBKR migrated most of its EEA retail clients from Interactive Brokers (U.K.) Limited to Interactive Brokers Ireland Limited (IBIE), so EU retail clients now onboard under the Irish entity rather than the UK entity. UK-resident retail clients continue to be served by IBUK. Why I use them: I opened my IBKR account in 2019 primarily for true global market access, low FX conversion costs, and reasonable margin rates. It has the steepest learning curve of the five brokers on this page; I do not recommend it as a first broker for someone with no prior experience. Open Interactive Brokers account

XTB

Legal entity: XTB S.A. (formerly X-Trade Brokers Dom Maklerski S.A.), headquartered in Warsaw, Poland. Regulator: Komisja Nadzoru Finansowego (KNF) in Poland. Depending on your country of residence, the contracting entity may instead be XTB Limited (Cyprus, CySEC) or, as of the last review date, XTB Limited UK (FCA). Compensation model: CPA (a one-time fee per funded account), with a higher fee when the new client deposits more. Trigger for payout: a funded account that places at least one qualifying trade. Jurisdictional notes: XTB is widely available across the EEA and the UK. It does not accept U.S. retail clients. Why I recommend them: I opened my XTB account in 2022 for UCITS ETF dollar-cost averaging. They offer commission-free European ETF and fractional share access up to a monthly turnover cap, a reasonably clean web platform, and ETF savings plans on the most common UCITS ETFs. I treat them as one of the lowest-friction entry points for a beginner European investor building a long-term ETF portfolio. Open XTB account

Nexo

Legal entity: Nexo Capital Inc. and affiliated group entities (Nexo group operates a multi-entity structure across the EU, Cayman Islands, Switzerland, and elsewhere). Regulator: multi-jurisdictional — Nexo group entities hold VASP (Virtual Asset Service Provider) registrations and licences in several jurisdictions, and the EU regime is moving under MiCA (the Markets in Crypto-Assets Regulation, the EU’s new crypto rulebook). There is no single home regulator equivalent to BaFin or CySEC for the consolidated group; the entity that contracts with you depends on your country of residence — check the nexo.com legal page for the current entity and licence covering your jurisdiction. Compensation model: CPA. Trigger for payout: a new verified account that completes KYC and meets a deposit minimum. Jurisdictional notes: Nexo has restricted or withdrawn certain products in specific U.S. states, and the regulatory status of crypto-asset firms is changing fast across the EU under MiCA and in the UK under FCA rules. Nexo’s Earn / interest product is not available to clients in several jurisdictions. Why I cover them: I opened my Nexo account in 2021, hold a small position, and have used the crypto-backed credit line, so I can describe how it actually works. Crypto-asset platforms are categorically higher risk than regulated brokers — counterparty risk, custody risk, and regulatory risk are all real. Position sizing here should be small even by aggressive standards. Open Nexo account

Trade Republic

Legal entity: Trade Republic Bank GmbH, headquartered in Berlin, Germany. Regulator: Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) and the European Central Bank (as a credit institution). Compensation model: CPA. Trigger for payout: a funded account that completes onboarding and places at least one qualifying trade or sets up an ETF savings plan. Jurisdictional notes: Trade Republic is currently available to residents of a defined list of EEA countries (including Germany, Austria, France, Italy, Spain, Netherlands, Belgium, Ireland, Portugal, and a growing subset of others); not available to UK, Swiss, or U.S. residents. Confirm the current country list on traderepublic.com before signing up. Why I recommend them: I opened my Trade Republic account in 2023 for monthly ETF savings-plan automation. They offer an exceptionally clean mobile-first experience, very low per-order cost on UCITS ETFs, a credible-quality cash interest product backed by a real BaFin-regulated bank, and ETF savings plans that work well for monthly DCA. Open Trade Republic account

Wise (Wise Payments Limited / Wise Europe SA)

Legal entity: Wise Payments Limited (United Kingdom) and, for EEA customers, Wise Europe SA (Belgium). Regulator: in the UK the Financial Conduct Authority (FCA) authorises Wise as an Electronic Money Institution (EMI); in the EEA Wise Europe SA is supervised by the National Bank of Belgium. Important: Wise is a payments / e-money service, not a bank or a broker — money held in a Wise account is safeguarded rather than covered by bank deposit-guarantee schemes, and Wise does not provide investment products. Compensation model: referral — Wise pays a one-time referral reward when a new customer you refer completes a qualifying first transfer (above a minimum the programme sets) within a set window. Trigger for payout: a new user signs up through the referral link, passes identity checks (KYC), and sends a qualifying transfer. Jurisdictional notes: availability and the contracting Wise entity depend on your country of residence — check wise.com for the entity and terms covering your jurisdiction. Why I personally use them: I convert euros to USD (and other currencies) through Wise at the mid-market rate to fund broker accounts and buy foreign-currency funds, which is usually cheaper than a bank’s marked-up exchange rate. Open a Wise account

Snowball Analytics

What it is: Snowball Analytics is a portfolio-tracking and analytics software service (SaaS) — check snowball-analytics.com for the operating entity and the terms that apply in your jurisdiction. Important: it is not a broker, bank or financial adviser — it holds no client money, executes no trades and gives no personal investment advice. It only imports and analyses the holdings you enter or connect (read-only), so you can see dividends, performance, diversification and a forward dividend calendar in one place. Compensation model: affiliate / referral — Snowball pays me a commission if you subscribe to a qualifying paid plan after signing up through my link or with the code financialexpertclass; the free tier and your price are unaffected, and it never changes my editorial verdict. Trigger for payout: a new user signs up through the link and starts a qualifying paid subscription. Why I personally use it: I hold ETFs and dividend stocks across several brokers, and Snowball gives me one consolidated view of income and allocation that broker statements do not. Try Snowball Analytics

Saxo (Saxo Bank A/S)

Legal entity: Saxo Bank A/S (Denmark), a fully licensed bank founded in 1992. Regulator: the Danish Financial Supervisory Authority (Finanstilsynet); Saxo is designated a Systemically Important Financial Institution (SIFI) in Denmark, and cash deposits are protected up to EUR 100,000 by the Danish Guarantee Fund. Type: a regulated multi-asset broker / investment bank (ETFs, stocks, bonds, mutual funds, options, futures and FX) — a real broker, not an e-money or software service. Compensation model: affiliate / CPA — Saxo pays a commission when a new client opens and funds an account through my link; your pricing is unaffected and it never changes my editorial verdict. Trigger for payout: a referred user signs up through the link, passes identity checks (KYC) and funds a qualifying account. Jurisdictional notes: the contracting Saxo entity and the exact terms depend on your country of residence — check home.saxo for what applies to you. Why I personally use them: Saxo gives me professional-grade platforms (SaxoTraderGO/PRO) and broad global-market access in one regulated account, which suits the larger, more active slice of my portfolio. Open a Saxo account

Scalable Capital (Scalable Capital GmbH / Scalable Capital Bank GmbH)

Legal entity: Scalable Capital GmbH and Scalable Capital Bank GmbH (Munich, Germany). Regulator: BaFin (German Federal Financial Supervisory Authority), alongside the Deutsche Bundesbank. Type: a regulated German securities broker and robo-advisor; client securities are held as segregated special assets, with custody historically via Baader Bank AG and increasingly Scalable Capital Bank GmbH, and cash covered by the German deposit-protection framework (EdW/ICS). Product note: the broker offers two models, FREE and PRIME+; interest on cash is offered only via Scalable’s separate overnight account, not on uninvested cash in the broker account. Compensation model: affiliate / CPA — Scalable pays a commission when a new client opens and funds a qualifying account through my link; your pricing is unaffected and it never changes my editorial verdict. Trigger for payout: a referred user signs up through the link, passes identity checks (KYC) and opens a qualifying funded account. Jurisdictional notes: this partnership is with the German affiliate programme; Scalable Capital operates in Germany, Austria, Italy, France, Spain and the Netherlands, and product terms, rates and legal disclaimers differ by country — check scalable.capital for the terms that apply to you. Why I personally use them: their commission-free ETF savings plans run my monthly accumulation quietly and cheaply. Open a Scalable Capital account

How I get paid

Each affiliate program works slightly differently. The most common payout models are:

• Cost-Per-Acquisition (CPA): a one-time payment when you open and fund an account.
• Revenue share: an ongoing small percentage of the fees the broker earns from your trading activity.
• Tiered / hybrid: a combination of the above, sometimes with bonuses for higher deposit volumes.

I deliberately do not publish individual commission rates per broker because they change frequently, are usually confidential under the partner agreement, and create the misleading impression that I rank brokers by what pays the most. I don’t. The order in which brokers appear in any comparison post on Financial Expert Class is driven by the selection criteria in the “How I decide what to recommend” section below.

How much of site revenue comes from affiliates

To be honest with you about scale: affiliate referral commissions are the single largest revenue stream for Financial Expert Class. Over the trailing 12 months to April 2026, affiliate commissions have typically accounted for roughly 60–85% of gross monthly site revenue depending on the month. The remainder comes from paid Substack subscriptions at getdividends.net (reported separately), occasional sponsored content (always labelled), and a small amount of display advertising. These figures are my own self-reported estimate based on internal accounting, not an audited disclosure, and the mix can shift materially in any given month. Monthly affiliate revenue is uneven. One or two larger funded accounts can change a month’s total a lot. That is exactly why I will not chase higher-paying but lower-quality brokers just to smooth the numbers. I would rather earn less from five brokers I actually use than more from twenty I do not.

How affiliate links are technically implemented

Affiliate links on this site are normal web links with a small tracking code added to the end of the URL (for example, ?affid=... or a coded click ID). The tracking code tells the broker that you arrived from Financial Expert Class. Affiliate links point directly to the broker’s own domain — I do not currently route clicks through an internal redirect slug or a third-party affiliate network cloaker. I do not place my own tracking cookies on financialexpertclass.com for affiliate purposes. The only cookies my site sets are the standard WordPress cookies and the cookie-consent banner cookies. Both are explained in the Privacy Policy. Once you click an affiliate link, you leave this site and the destination broker may set its own cookies, fingerprints, or session identifiers under its own privacy policy. Most affiliate links open in a new tab and carry the rel="noopener" attribute. All newly published affiliate links also carry rel="sponsored" in line with current Google guidance for paid outbound links. A one-time backfill pass to add rel="sponsored" to pre-2026 posts is in progress and is targeted to complete by 30 September 2026.

How I decide what to recommend

My selection criteria, in order, are:

1. Regulation and safety. The broker must be authorised by a credible national regulator — for example CySEC, BaFin, FCA, KNF, the Central Bank of Ireland, or the U.S. SEC. It must also keep client money separate from its own (called client-money segregation). And it must take part in a recognised investor compensation scheme where one applies. Example: I will not promote any broker operating only out of an offshore jurisdiction with no investor-protection scheme, however attractive the commission.
2. Fit for European investors. ETF accessibility (especially UCITS ETFs), multi-currency support, tax-friendly setup, and reasonable handling of dividend withholding tax under the relevant treaties. Example: Trade Republic and XTB make the cut here because their ETF savings plans and UCITS coverage are genuinely competitive.
3. Total cost. Trading commissions, FX fees, custody fees, platform charges, and inactivity fees combined — not headline commission only. Example: a “zero commission” broker with a 1% FX spread is more expensive for most multi-currency European investors than IBKR’s ~0.002% spread plus a small commission.
4. User experience and reliability. Mobile and desktop quality, support responsiveness, app stability, ease of onboarding. Example: I have downgraded brokers in my own recommendations after personally experiencing weeks of failed logins or unanswered support tickets.
5. Affiliate program availability. Only after the four criteria above. If a better broker exists and they have no affiliate program, I will still recommend them; I will simply mark the link as non-affiliate. Example: certain national brokers that are excellent locally but have no affiliate program at all are linked without referral parameters across the site.

What if I have an active position with a broker I recommend

In short: yes, I hold real money with every broker I recommend, and I also earn a fee if you sign up — you should know both at once.

As of the last review date at the top of this page, I personally hold funded accounts with Freedom24, Interactive Brokers, XTB, Trade Republic, and Nexo. That overlap is deliberate — I will not recommend a broker I have not used. But it is also a conflict of interest you should be aware of. I have a direct financial relationship with each of these companies in two ways at once: as their customer (with money on the platform) and as their affiliate (earning a referral fee when you become their customer). I disclose this overlap on individual review pages as well, and I do not write about specific tickers I am actively trading in and out of in the same review article.

Editorial independence

In short: every opinion, rating, ranking and conclusion on this site is mine alone — no partner shapes them, before or after publication. The only pre-publication contact a regulated partner may have is a compliance check limited to regulatory accuracy (risk warnings, current fee rates), never the editorial substance.

No broker, sponsor, partner, or advertiser has any pre-publication input into the editorial substance of Financial Expert Class content. Specifically:

• No partner is shown a draft for editorial or creative input. Where a regulated broker’s compliance team is required by its regulator to verify content that promotes its services before it goes live, that review is strictly limited to regulatory accuracy — correct risk warnings and up-to-date factual product details such as fee rates. Compliance feedback can correct a factual error; it cannot add, remove, or soften opinions, ratings, rankings, or negative findings.
• No partner can require coverage, ranking position, or specific wording.
• Ranking order in any comparison or “best of” post is determined by the selection criteria in “How I decide what to recommend” — not by which partner pays the most. Higher-paying partners are not promoted above better-fitting ones.
• Negative findings are published when I find them, including about partners I earn from. If you read a Freedom24 review that points out a weakness, the affiliate relationship did not prevent me from writing it.
• If a partner ever asks for a change after publication, I will only correct genuine factual errors — and I will note the correction visibly on the page, as set out in the Editorial Process.

What if you have a complaint about a broker I recommended

If something went wrong with a broker you opened an account with through one of my links — a withdrawal delay, an order routing issue, a KYC dispute, an unexpected fee — please follow this escalation path, in order:

1. Contact the broker directly first. Every regulated broker has a formal complaints procedure and is required by its regulator to log, investigate, and respond to complaints within defined time limits.
2. Escalate to the relevant regulator if you are not satisfied with the broker’s response. For the brokers and platforms on this page, the primary regulators are: Freedom24 — CySEC (Cyprus); Interactive Brokers — FCA (UK), Central Bank of Ireland, or U.S. SEC depending on entity; XTB — KNF (Poland); Trade Republic — BaFin (Germany); eToro — CySEC (Cyprus) for EU clients and the FCA (UK) for UK clients; Saxo — Danish FSA (Finanstilsynet); Scalable Capital — BaFin (Germany); Nexo — the local regulator that licences the Nexo entity that contracted with you. Investor compensation schemes may also apply within their limits — for example the ICF (Investor Compensation Fund) in Cyprus, the FSCS (Financial Services Compensation Scheme) in the UK, and equivalent schemes under the EU Investor Compensation Schemes Directive.
3. Tell me. Email [email protected] with what happened, when, and how the broker responded. I read complaint emails personally. If a pattern emerges or a specific factual issue is established, I will update the relevant review — or, in serious cases, remove the affiliate relationship and say so publicly in the Changes log on this page.

Regulatory framework I follow

Plain English: this page is written to meet UK, EU, and U.S. rules on honest advertising and data protection, even though Financial Expert Class is not itself a regulated financial firm.

Financial Expert Class is operated by a UK company and publishes content read worldwide. I therefore design disclosures to satisfy, at a minimum, the following frameworks:

• UK ASA — CAP Code (Non-broadcast Advertising), in particular Section 3 on misleading advertising and the requirement that marketing communications be obviously identifiable as such. See asa.org.uk/codes-and-rulings/advertising-codes/non-broadcast-code.html.
• U.S. FTC — 16 CFR Part 255 (Guides Concerning the Use of Endorsements and Testimonials in Advertising) for any U.S.-based reader who encounters this site. See the FTC’s plain-English summary: ftc.gov/business-guidance/resources/ftcs-endorsement-guides-what-people-are-asking.
• EU Unfair Commercial Practices Directive (2005/29/EC) and the EU’s Consumer Protection Cooperation framework, which together require clear identification of commercial intent and prohibit misleading omissions. See EUR-Lex: Directive 2005/29/EC.
• EU MiFID II — MiFID II does not apply to this site directly. Financial Expert Class provides no investment services. But the brokers I link to operate under MiFID II, so I match my disclosures to the way those regulated brokers describe risk to retail clients. See ESMA for the umbrella supervisor at EU level.
• UK GDPR / EU GDPR for the handling of any personal data, as detailed in the Privacy Policy. Authoritative guidance: ico.org.uk and edpb.europa.eu.

None of the above frameworks turn this site into a regulated financial activity. Financial Expert Class does not provide personalised investment advice, does not handle client money, and does not solicit deposits. It is a personal finance education publication that includes affiliate links to regulated third-party brokers.

This is not financial advice

Everything on Financial Expert Class is educational content based on my personal research and over a decade (11+ years) of self-directed dividend and ETF investing, in the Bogleheads tradition — influenced by John Bogle, JL Collins, Lars Kroijer, and the Bogleheads community. My full methodology is documented on the Editorial Process page. It is not personalised financial, tax, or legal advice. I am not a licensed financial adviser or fund manager. Your circumstances, jurisdiction, tax residency, and risk tolerance all matter — and I cannot assess those for you. Before opening an account or investing, talk to a licensed adviser in your country. Also read the broker’s own risk warnings and the product’s official disclosure document. These go by different names depending on the product: a KID (Key Information Document) for packaged products under the PRIIPs regime, a UCITS KIID for European ETFs and funds, or a fund factsheet. Cross-check ETF data on justETF or Morningstar. Investing carries risk of capital loss; past performance does not predict future results. See the Terms and Conditions for the full disclaimer and the Help & FAQ for common questions.

Questions, complaints, or corrections

If something on this page or anywhere on Financial Expert Class looks wrong, misleading, or out of date, please tell me. The fastest way is email: [email protected]. I read every message personally and will correct genuine errors quickly. For broker-specific complaints, follow the three-step escalation path in the “What if you have a complaint about a broker I recommended” section above. For data-protection or GDPR-specific requests, see the Privacy Policy. For all other contact routes (Substack DM, LinkedIn, X), see the Contacts page.

Changes log

Material changes to this disclosure are logged here so you can see what changed and when.

When this page changes

I update this disclosure whenever an affiliate relationship starts or ends, when a partner’s regulator or status changes, or at least once every six months. The “Last reviewed” date at the top of this page always reflects the most recent material review, and every meaningful change is logged in the table above.

Document control

• Operator: Aurum Digital Marketing LTD, a company registered in England & Wales, Companies House number 15203665, registered office Flat 18 Block N Peabody Buildings, Wild Street, London, WC2B 4BX. Trading as Financial Expert Class. Contact: [email protected].
• Jurisdiction of operator: United Kingdom.
• Author and reviewer: Kestutis Balciunas — primary author, 11+ years self-directed dividend/ETF investing experience, not a regulated financial adviser.
• Published: 28 May 2026.
• Last reviewed: 28 May 2026.
• Next scheduled review: 28 November 2026 (six-month cycle, or sooner if a partner change triggers a review).
• Contact for corrections: [email protected].
• Related policies: Editorial Process · Privacy Policy · Terms and Conditions · About Me · Contacts · Help & FAQ.

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