Andy_Schleider
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I charge more for drawdown than an ISA transfer, as the drawdown is a more complicated piece of advice, and more work is required. For example, cashflow will probably be needed, and there are other factors which may affect the advice. An ISA tran…
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PCIAM counts for 30 non specific credits if you transfer, and can be taken together with AF4. I understand additional work is required for PCIAM but I don't know what that is; hopefully someone else will be able to add some thoughts. And, good…
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I personally would go for Diploma first. That is the exams the advisers need and it's helpful to be able to have conversations with people that have the same qualifications. J09 can be taken later on if you feel the need. Or, you can continue o…
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I think if a company are insisting on you having something, or it is necessary for you to pay for something that you only need because you are working with them, I would probably look to pass that cost on. I had to pay for a Dropbox subscription …
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As the definition of a paraplanner differs from company to company, so will that of a paraplanner manager. You would need to look at the specific job description for each individual role. Sorry, that's not much help!
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I did AF7 and J05 as there is some overlap there. John Reynolds and Gayle (Expert Pensions) suggested AF4 and PCIAM. You can get credit award for PCIAM for a bit of extra work, and the exam dates apparently work well; you can take AF4 and do the…
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Yes, some of the charges on those old plans were akin to daylight robbery - I've seen more than one plan where the charges have completely wiped out the value of the plan
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This is an excerpt from an email they received from Vitality: "Towards the end of last year, we notified you about our decision to close VitalityInvest to all new business. We also confirmed to you that we would stop top-ups and transfers for exi…
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Hi Nitu I started with two clients (you know one of them!!), and it was like that for the first couple of years. Fortunately they were able to keep me busy through lockdown and beyond. I was doing pretty much 50% DB transfers and 50% the other. …
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I'd be tempted to ask the CII direct about that
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I'd suggest speaking with RL as it may differ from provider to provider - a BDM instead of someone in the call centre would probably be best
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I can't edit my previous post now, so I just thought I'd jump on to say thanks again - I just had a call from a client who wanted me to compare a couple of portfolios, and due to the video kindly posted by @Steven_McBurnie I was able to knock one ou…
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That is really useful. Every day is a school day (especially with FE!!)
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The first thing to do would be to change your password. The second thing would be to change passwords for all the other websites that you use that password for. I would also suggest using a password manager so you can have a unique password fo…
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I've heard of a few people doubling up on AF exams, but it's not something I would try. I think AF5 +1 is quite popular. I did J05 and AF7 together, and there are others that work in a similar way, AF4 and one of the J exams (J10/J12?) go well t…
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Hi Steve Welcome to the group! Starting with the qualification question: it is perfectly possible to pass the exams while not in the industry; you may find it a bit more difficult though as some of the content will come up in your day to day w…
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A vote from me for the CII question banks - although I was seriously panicking with R04 the night before when I was struggling to scrape 50%. The great think with the CII questions are they link directly to the part of the study text that the que…
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I use Genovo for my reports, Selectapension for pension switch comparisons, and FE Analytics for fund research. I'm not that keen on defaqto as it is too easy to engineer the answer you want, and although I have access to a version of Morningstar…
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Hi Sinead I could tell you exactly what I paid, however this was three years ago (July/August 2019), and I expect prices have increased in that time. I would expect probably around £2,000 would be the sort of number you would be looking at as a …
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@Tamnna can you elaborate? I use Selectapension for DB cases too. I think there are limitations on any system you use, and I admit I'm still learning even small nuances on some of the systems I use, Selectapension included
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I remember this the first time it was posted and I wasn't a manager at that point. Can I be added now please?
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I did mine with Pension Bee - the transfer completed within the last couple of weeks
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I have some past papers for AF4 - send me a PM and I'll email them over
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Sent you an email!
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LinkedIn is a good idea, and I also picked up a client on Facebook fairly recently. I tried cold calling and didn't get much luck that way (but then I really hate doing that anyway, so maybe that was part of the problem!). I'm on the paraplanner…
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I found this with R04 - the night before I took the exam I was panicking as I was only scoring around 52% Then I took the exam and smashed it out of the park! So, to answer your question, yes, I think the questions are harder than the actual e…
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I don't think there is a 'quick' solution as such, and trying to rush because you need the money could well end in tears. It's great that you're a fast learner as this will certainly help. Assuming that there are other paraplanners where you wor…
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Two monitors for me as well. I thought about using the laptop with them for emails only, but it is being used by my employee until I get new hardware. @benjaminfabi that monitor stand looks a bit precarious - I have a stand for my monitors which…
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@richardgough said: @Andy_Schleider What type of Trust? Is Settlor still alive? Not sure what type of trust - it has the words 'family trust' in it (maybe discretionary?) Settlor is dead There appear to be two lives assured, on…