Sam_T
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Morning resurrecting this post...I have a client who works part-time and has accrual in the Teachers Pension Career Average scheme which has a 1/57th rate (and the older 80ths DB scheme).... I am using the M&G DB PIA calculator and the du…
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Technical stuff aside, the Social Care assessment is such a red herring - most clients would have assets way over the £23,250 threshold (£100k in Oct 2025), and would never want to put decisions about paying for their care (and what hell hole of a L…
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Les - that is great thanks you as always
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Hi There - I am sure to get all the terminology wrong, but hopefully you can follow. * Client has Fixed Protection of £1.25 million. * They took DB scheme benefits prior to A Day, which we have calculated used £800k of LTA * So he has £450k …
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Cheers Les - I thought as much but started to get my knickers in a twist!
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Hi I would run a search on FE using the terms 'shariah' and 'islamic' - don't forget to search both UK unit trusts and OEICs but also offshore 'FCA recognised' providers. It may not bring up all of those that apply, but would get you something…
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Thanks Ben - interesting and I understand your point. I suppose, it is worth arguing that the TB today is a known figure, against a future 'potential' TB which is unknown. In an ideal world I would ditch off Selectapension and simply provide a…
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Thanks Richard - my argument exactly, but feel like I am not getting very far with them!
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Hi - AJ Bell and Transact are normally more flexible on these kinds of cases if you are able to explain the source of monies. Let us know how you get on
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Hi Ben - yes I did in the end, but I had to chase them down on the phone. I also had this from CISI which seems to be an additional requirement: I am aware that some candidates have previously sent in qualification learning statements to confirm…
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Hi Ben The provider has confirmed that the plans can remain in force beyond 75 and the WP bonus rates will continue, so that's good news. Reading the HMRC manual is not much help, but it does seem that if scheme rules allow the net funds after…
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Morning I thought I would resurrect this thread in the hope someone could apply their knowledge to another age 75 LTA test case. I have a client with £1.8 million protected LTA - he has used 63% to date. He has already passed his 75th birthda…
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Thats the one - thanks Gareth
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Cheers Ben - I have sent them my full learning statement and Chartered Certificate but they keep sending back this: 'I can see that you hold the CII Diploma in Financial Planning, however, this qualification is not fully RDR compliant and needs t…
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Thanks for you input Richard - I am taking a look at it, but hit the first hurdle arguing with the exams team over proof of existing Cii qualifications, apparently they don't understand that a paraplanner won't have an SPS (doh).
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Ha, ha...so if it sounded fancier it would be worth it?
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Morning - just watched the webcast for this. What does anyone think about the benefits of paraplanners achieving the level 7 case study with CISI, over just having the Cii Chartered/Fellow status?
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Hi Jumanji Haven't the CII withdrawn both of these units now? I think the last sitting is imminent. Past papers are freely available from the CII website (they call them exam guides).
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Hi I would definitely recommend keeping on chugging through the exams whilst you are in the zone. There is quite a leap from R0 level to the AF exams - akin to the difference between GCSEs and A Levels, so give yourself plenty of practice on p…
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Hi Thanks for your thoughts on that - the loan was not something we had considered. Cheers
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Morning - finally had an answer from the provider which was less than helpful: "Whilst it appears that a joint tenancy can be severed by a deed of variation, I think in practice it would be very difficult with a bond. This is certainly not someth…
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Hi Richard Thanks for your reply. I had thought the same as you, but the provider is suggesting that they may not be able to 'unwind' the joint bond. We have a solicitor on standby to assist, but if I get any clarity I will let you know what th…
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Hi all, my name is Sam I have worked as a Paraplanner for nearly 15 years, both in house and out sourced - I recognise some names here so I may have worked with you in the past - don't hold that against me! I achieved Chartered status some tim…