AndyRichards
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@benjaminfabi said: Andy, I've PM'd you the wording I used in a similar situation. More generally, my approach to this is: * What is the requirement for the capital? Is it something that needs to be spent? In my case, the client…
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We've just started to use i4c - really impressed with it so far. They've also just been bought by intelliflo I believe so have considerable financial backing. https://i4csoftware.co.uk
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Young Accumulators Serious about retirement Glidepath into retirement Retirement income Bespoke And then we sub-segment based on experience, net worth, needs e.t.c.
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Not too sure on this one, wouldn't you need to provide the client with all of the available options and let them make their own decision? I assume that once you start narrowing things down (e.g. Here's are a list of suitable providers from the wh…
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@Suse1969 said: Aha, we did this at the last Scotland Powwow. https://paraplannerspowwow.co.uk/cashflow-due-diligence-at-powwow-north-of-the-border/ The Brooks pack is pretty good. We use Lang Cat information as one of our key sources of d…
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@DanAtkinsonUK said: You are welcome to take a look at the Impact Portfolios we do at EQ Investors too. www.eqinvestors.co.uk/advisers Just got in contact - thanks
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Personally I'd stay away from this for the reasons Nathan already mentioned, but also the fact that you're effectively blending two different propositions with their own approach to risk, objective, style of investing e.t.c. Would be a nightmare try…
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@T_Smith said: Evening all, After some thoughts from the hive brain. We have an adviser who wishes (for some reason) to transfer a clients single line equities onto a platform to be held alongside the funds we run for them. …
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@arongunningham said: In your aggregated charges table - do you list the charges for each fund individually or the weighted average of all? If you show them separately and you have 2 funds which both cost 0.80% and it made up 50:50 of the …
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My understanding is that it is possible for you to hold equities on a platform for a client and not provide advice on them. You'll need to make this very clear on the suitability report, and it would not be TCF to charge an adviser fee on the shares…
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@TomLloyd_Read said: I trialed it and thought it was really very good. Some areas are equivalent or better than Voyant, particularly explaining what the charts are showing. I did find it a bit fiddly in parts but I suspect this is more to do with…
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Thanks all! I've gone with Segoe UI 10pt as really easy to read and looks professional. Never thought about offering a 'large font' report before, I might suggest that to our adviser!
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@arongunningham said: https://www.retirementhealthform.co.uk/Home/DownloadForm Absolute star, thankyou!
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@charlotte.e said: Hi @AndyRichards i'm also now looking Octopus Choice and wondered where you re up to with your DD? All finished on our due diligence, had quite a few meetings with the team and have screened the whole of market for Peer…
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@Nathan said: Hey Clare If I were operating an adviser firm, I would find one suite of Multi-Asset passive funds and one suite of Multi-Asset active funds and blend them on a 50:50 basis for each of the different risk profiles. It i…
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Also looking for Study buddies as well In the exact same boat as you
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@benjaminfabi said: Hi Andy, You are correct. Thanks!
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@victoriabarberops said: @AndyRichards The PFS have published "a good practice guide" on the questions to ask when considering P2P lending. I've attached this in case its helpful. There's often confusion around P2P lending - with th…
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@benjaminfabi said: Hi, Off the top of my head: * Access to capital? Pretty sure Octopus Choice is unrestricted with no minimum term. * How interest is paid, ie as an income or as a reinvestment and is there a choice * Min…
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I guess this begs the question - if she has a very low attitude to risk should she be investing or would a NS&I product or fixed rate cash account/equivalent be more suitable?
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I guess it's not strictly a discount as they're adding units back into the plan instead of reducing the charge. The overall charge is still 1% but they add extra units to the plan each month, similar to a guaranteed growth rate I guess?
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@amarshall said: I had a very similar case recently where we considered taking back the full loan. Unfortunately for your client, it is not possible to take back the capital of the loan and leave the growth. It will create a chargeable eve…
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@benjaminfabi said: Hi Andy What have you been using up to now? I'm not aware of a free online RIY calculator, but it's not too difficult to work it out yourself from a projection. If I shared anything it was a MiFID RIY calculator,…
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Thanks everyone! I'm again in the process of convincing the adviser to sign up to FE Analytics (sigh) so for the meantime will need to do manual calculations. I'll have a look around the forums to see what I can find
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Just found this article from Parmenion: https://www.parmenion.co.uk/stay-informed/mifid-ii-ex-post-disclosure. The below quote from them suggests that you can rely on their statements for ex-post, assuming that adviser fees are facilitated via th…
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@benjaminfabi said: @AndyRichards is that in house compliance? Sounds like they should have a read of the esma Q&A document in this fca press release last week https://www.fca.org.uk/publications/multi-firm-reviews/mifid-ii-costs-and…
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@ParaWhatNow said: @AndyRichards said: Surely the majority of platform providers supply the 'ex-post' MIFID stuff (see Lang Cat research) Is there a requirement for us to provide the ex-post MIFID details in our annual re…
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Surely the majority of platform providers supply the 'ex-post' MIFID stuff (see Lang Cat research) Is there a requirement for us to provide the ex-post MIFID details in our annual reviews in addition to the providers also supplying this? Our c…
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Sorry to drag up an old thread but I'm currently battling with our adviser to add in an aggregated costs and charges diaclosure of our own in the report (MIFID friendly). Whilst we obviously disclose the ongoing costs we don't provide a projection a…
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Thankyou, very helpful!