Ralfos
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- Ralfos
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Comments
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Make an estimate based on previous PIA on the AAPSS is the best I believe you can do
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Link not working?
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@LottieS said: I had an awful experience with ReAssure. A client had a Buyout Bond and was trying to take the PTFC and transfer the remainder of the fund to another provider. I was given a lot of incorrect information by the front-line staff that…
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@les_cameron said: You need to look at each arrangement separately and whether they are active or deferred is a matter of fact based on the circumstances. The 95 section appears deferred, the 2015 does not. But I'm by no means an NH…
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Or is there no input as they were deferred during the whole input period? chrome-extension://efaidnbmnnnibpcajpcglclefindmkaj/https://www.nhsbsa.nhs.uk/sites/default/files/2017-04/Annual%20Allowance%20FAQ%20%2804.2017%29%20V5.pdf
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We've recently moved from being all about the cheapest (functional) platform for the client dependent on case size to a more streamlined/preferred supplier model. The issue we had was that being 'ultra' independent meant we then had clients, on A…
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http://citywire.co.uk/new-model-adviser/news/standard-life-blocks-24m-high-risk-pension-transfers/a1146865?ref=new-model-adviser-todays-news-list
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Liberty will be bust within 2 years pretty much guaranteed. Those 500 claims recently submitted look like they will succeed. ALthough. surely Standard life should be looking through the provider and at the assets to be invested in if they have conce…
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@arongunningham said: I would assume someone with £2m knocking about is already using his savings allowance, but you know what they say about assumptions... Yes, youre right on both counts! Interest income will be much higher (*10) and he…
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@benjaminfabi said: Hi, Obviously I've no idea of the risk profile, age etc and I'm assuming GARS is a guaranteed pension of some kind and that it is inflation linked. That said: I'd put less into the GIA. You could put £300k…
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@arongunningham said: But the GIA will produce income too (this is not going to fall in the CGT regime). Even if the income is reinvested or held in ACC funds, it's still income and tax may still need to be paid on it. Hi - this was my ca…
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Im hoping that 2% cap growth on 600k would just about match the CGT allowance each year. And yes, 20k per year would be switched into an ISA. The adviser is keen to use the CGT allowance too. But yes, the lot in a Bond would be simpler!
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Cheers - heard good things about them
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@amarshall said: Thanks @Ralfos. Let's hope the receiving scheme is as good as they like to make out! Can I ask who you are using?
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SAP, FE and Cash calc.
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Just doing one currently from James Hay to Investacc with 2 properties in it and another purchase going through. Other than gathering up leases and completing forms, Investacc has made it very smooth in fairness. I think it will mainly depend on the…
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@redcard said: You do. Think it changed at the start of this year, as they think it is beneficial to sell it is as a complete study package. No option to buy the text once an exam is booked. Didn't they then reverse this decision q…
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Yay -noticed this a couple of weeks ago!
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Ive used Minerva for about 11 years and never had an issue with service but obviously, if that changed so might my opinion. financial strength always seems a bit of a red herring to me. Im never really sure how it might impact on a client. His co…
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Yes - and we like them a lot. Just in the process of moving 2 SSAS's from James Hay to Investacc due to the awful service from JH. Sue Beattie is a good contact.
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Quite ridiculous when this is from the examiners comments "Again, this has been a standard type of question in AF5 and some candidates could have achieved better marks by reviewing past exam papers and exam guides."
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Dont all funds pay gross now, making gross GIAs redundant?
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I work for a network and our new process means having the SR ready and given to the client for reading before application.
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Aviva making a late bid for recognition!
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Update: Transact have confirmed they can do this.
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Try this
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Thanks for your response. It was another S32 I was considering yes. And deep in the back of my mind I could hear an old colleague telling me the 'winding up' rules were irrelevant but couldn't remember why, so thanks for clarifying! Will speak to…
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LIBF level 4 is rather easy and quick compared to CII so if you just want to get in the door, consider this, although admittedly you wont end up as technically strong as a CII level 4 graduate.