Pedro
About
- Username
- Pedro
- Joined
- Visits
- 238
- Last Active
- Roles
- Member
Comments
-
When we last recruited a few years ago, we put together the attached list of questions, which you may find useful. I should say that not all of them are obvious and might raise other questions (e.g. the IHT one toward the end, given RNRB) but it …
-
Hi Andy / Dan , thanks so much for your responses. I'm just exploring an option now which seems to have some merit, so if that doesn't go anywhere I'll be back in touch with you about any further help. Iit's all moved very quickly, so thanks for…
-
Thanks @richallum , that's helpful.
-
@Katier said: @Rwood93 said: I am hoping to start AF8 in the new year, has any one used the likes of expert pensions or any study guides. Expert pension is expensive, but if its worth it then I don't mind paying! Did anyone ne…
-
Thanks for that @Oldhandnewhand - much appreciated.
-
Hi, Thanks for responding. 1) where are they tax resident - Both UK 2) how long have the been in France and 3) where is the property situate The property is a french holiday home, which they've held for c10 years. It's currently held join…
-
I am doing the AF8 but I would be hesitant to recommend it. I would confidently say in my day-to-day role we do 'proper' financial planning and I wouldn't say the module has taught me a great deal to what I already knew, frustratingly. You also do…
-
Thanks @victoriabarberops @parawhat - Flagstone looked very good when I investigated that but certainly on the pricey side, so it might only be of worth to people with significant levels of cash. I also reviewed Insignis cash solutions, and th…
-
It's also worth checking whether there is any 'interest' applied to the AA charge if paid by the scheme. I have seen this for a client and it does add up to a sizeable sum when rolled up!
-
Just a thought, would actually removing layers of checking help instill a responsibility to get it right from the outset and remove the idea of a safety net? I suppose this would perhaps make things worse before getting better, but extra layers a…
-
Agree that it does depend on the claim. Although having worked for a platform I do remember cases where the adviser took ownership of the asset, but it sounds like the investment is illiquid / winding down rather than of nil value. Is there any …
-
Just a thought, but could you agree some with your colleagues based on the standards you'd all aspire to achieve (i.e. rather than based on MI), which would likely get a lot more buy-in than coming up with them yourself and rolling them out. Coul…
-
It sounds a bit obvious, but I think bearing in mind the PEG principle will hopefully help: * Performance (i.e. what was done) * Expectation (what you had anticipated the end result being) * Gap (the difference between the two!) What I ha…
-
Thanks both for your replies
-
Just to elaborate a little... In the UK an accumulation fund will have notional distributions which affect the original cost for gains purposes. NZ doesn't have a general capital gains tax, so reflecting any retained/reinvested income is a little …
-
Thanks Navigator Hi @Pedro If you're doing due diligence in this area, you may also find it useful to look at Dynamic Cash Management http://www.dcmcash.com/cash-management-for-your-clients/ We did some work on this a few months back and…
-
Thanks for the response and the suggestions.
-
Hi all Just posted so should introduce myself here, having lurked for a while. I'm Peter, been Paraplanning for about a year now, having spent the last 8 years working for a wrap platform. I decided that I needed to pivot my career slightly and s…
-
Hi there I personally kept the order as per the numbers, except doing R05 before R04 as I waited for the post-simplification syllabus to be released. I don't think the order particularly matters, but given that you've likely done lots of work on R…