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JoCHague

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JoCHague
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  • Hi Elsa, Have you seen Transact's KFD for their LISA? They've got these bits covered. Let me know if you want a copy. Jo :-)
    in Help with LISA suitability report checklist Comment by JoCHague May 2017
  • I debated this for some time with Pru around a year ago. It took a long time to reach someone who gave me an answer other than "I don't know...so no." I went between both the Pru and the TPS and they both gave the same answer in the end. The AVC …
    in Teachers Pension Scheme & Pru AVCs Comment by JoCHague April 2017
  • Hi Alan - you've come to the right place! Generally, the most "common" examination route used is the CII level 4 diploma   . Many employers look for the level 4 quals for Paraplanners as a minimum. You might also want to look at the Financial Plann…
    in new year new direction Comment by JoCHague January 2017
  • I like the capitals.  I try not to abuse them but sometimes things look a little clearer in a report to my eyes if you discuss a "pension" in general terms but you are recommending they establish a "Personal Pension with Provider". I think it can d…
    in Capitals or not Comment by JoCHague December 2016
  • This is a very small pension account so the quarterly charge makes a large difference. Selectapension say 0.6% (£51) actual figure is 1.4% (£119). It's ok when you know the charging structures of other providers by heart and you can recognise a dif…
    in More Selectapension issues... Comment by JoCHague December 2016
  • Request a National Insurance History document for them on the gov.uk website here and it will lay out the missed years he can contribute.  The answer, roughly, is yes - so long as there are missed years to be repaid. Each contribution buys £4.45 per…
    in Flat Rate State Pension & COPE Comment by JoCHague November 2016
  • I agree re defaqto. A couple of the more obscure "platforms" aren't there either. I wonder why Wealthtime chose not to play.
    in Platform comparison tools Comment by JoCHague November 2016
  • I've had a play on this today and compared it to some of my calcs. It matches those (to within rounding). I've stopped using Adviser Asset after finding some incorrect results in the past but I'd be happy to test it out in other ways to see if it's …
    in Platform comparison tools Comment by JoCHague November 2016
  • No Richard, it's not something that you should be doing (imo) - You don't need the funds to be entered in order to get a correct RIY etc. For me, it's more a frustration because the function is there (so it should work) - and because Selectapension…
    in Selectapension cash troubles Comment by JoCHague November 2016
  • The AF books are based on the J and R exams before it.  The J teaches the theory and the AF asks you to put it into practice.  When I sat the AFs, the J books were included in the RevisionMate website as an e-document.  Have you looked there? In fa…
    in AF4 Comment by JoCHague August 2016
  •  It's 1,1,1 for us. Works well.  There's a very small amount of crossover between admin and Paraplanner - we don't mind helping each other out if something needs to get done.
    in Adviser to Paraplanner and Admin ratios Comment by JoCHague July 2016
  • DanAtkinsonUK said: If you need it the NI calcs can be done/checked etc with a HMRC tool too :-) http://nicecalculator.hmrc.gov.uk/Class1NICs1.aspx High 5 to @JoCHague (I think) for telling me about the HMRC Calculators  I've been usi…
    in Mid tax year Salary Sacrifice Comment by JoCHague July 2016
  • Thanks all. Very helpful.  We're going to move forward with Voyant past the 'trial' stages.  I'll miss my faithful spreadsheet though :-(
    in Truth versus Voyant Comment by JoCHague June 2016
  • Thanks Andy, that seems quite the compliment for Voyant. I imagine it was a big decision to move from one provider to the other. I have some experience with Voyant and it seems intuitive - but there are some die-hard fans of Truth out there and I t…
    in Truth versus Voyant Comment by JoCHague June 2016
  • Same. Crazy. Just had 6 arrive in the office. I had ordered 3.
    in Tax tables for 2016/17 Comment by JoCHague April 2016
  • I just had an email from them saying "or click to order your pocket sized version". Same PDF. Am not risking that again...
    in Tax tables for 2016/17 Comment by JoCHague April 2016
  • Thanks Dan!
    in Ethical Investment Research Comment by JoCHague April 2016
  • Ugh. Mine too. Fail.
    in Tax tables for 2016/17 Comment by JoCHague April 2016
  • I think you can still order the Scwids ones here http://www.scottishwidows.co.uk/Extranet/Literature/Category/504 That's the link I use every year and it links to a big PDF but I think if you order, they send the pocket ones (usually)
    in Tax tables for 2016/17 Comment by JoCHague April 2016
  • I had this a couple of weeks ago where the payment was a one off withdrawal for a non tax payer and was under the personal allowance. Provider assumed it's the first of identical monthly withdrawals and taxed the client based on the total annual inc…
    in UFPLS and tax Comment by JoCHague March 2016
  • One of my tips is to remember in excel that a year is 365.25! Stop your dates from drifting...
    in Excel power tips! Comment by JoCHague March 2016
  • I think someone made them up. They just sat in the NMA office one day and invented some answers to their own survey.
    in Paraplanner salary survey Comment by JoCHague March 2016
  • I just read through my first post in case I had abused a comma here or there. I'm guilty of over using an ellipsis or two.
    in Your Favourites Bar Comment by JoCHague March 2016
  • Morning all! Bit slow to the party. I'm in-house in a small firm and usually happy to muck in with the paraplanning side of anything that's going on! Chocolate wise - sore subject. I could do with some tips on making rice crispy cakes. Mine went s…
    in Say hello! Comment by JoCHague March 2016