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    Quite a lot actually Gary. The average gross household (household, not individual) income of my active client bank is £41,000 p.a. so that means quite a lot are in the Tax Credit bracket (those who claim, I am often taking clients to task for not claiming). That does include investment income, incidentally, where it applies along with state benefits where they are paid.

    I also have quite a few on disability benefits. That of course excludes those who find themselves temporarily on benefits like jobseekers and short term incapacity, a fluctuating total. I am currently helping two to find a new job who have recently been made redundant or about to be.

    It may surprise you that very ordinary people pay for advice, it is a misnomer that fee based financial advice is only for the rich and I have no 'additional rate' taxpayers at all among them.

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