GarethM
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I don't think there's a good argument for not including one. If i'm replacing one thing with another (not necessarily investments or pensions), one of the first things I look at is cost. I'm sure any client will be the same. This is not so much a re…
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Thanks @richallum. As it happens Transact is our preferred platform and it's more than likely we'll recommend moving the ii portfolio to an advised Transact GIA. I hadn't considered the option of non-advised GIA, so worth knowing.
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Thanks Les.
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Yep, i'd say a payment in ill-health would definitely be added back into the estate value.
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It's been a while since I used it, but I would say Xplan can replace what you already have. The integrated cashflow modelling software (Xtools) is vastly superior to Truth IMO, and it has secure cloud based storage for all documents (presumably depe…
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Link to my previous comments on R06 here.
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You definitely don't need to be re-reading the textbooks. Do as many past papers as you can get your hands on, you'll get a feel for the questions that come up repeatedly. Don't worry if you get a few of the questions wrong initially as that's ho…
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If I've understood your question correctly, If it's an employer contribution and threshold income has been calculated to be below £200K, then adjusted income doesn't need to be calculated. However, if threshold income is over £200K, then yes, the…
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This one? https://www.intuitivesupportservices.com/quick-links
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Your best bet for R06 is first of all to really get to grips with the case study. Imagine they're real clients and get to know them as well as possible. Notice anything that stands out. If there's explicit mention of the clients wanting to pass on a…
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Hi cj, As for D, for full segment surrenders, the 5% doesn't come into it. It's always simply a case of value now less original cost. A proportionate withdrawal however accounts for the tax-deferred withdrawal allowance in the calculation. B i…
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I can only assume that this question is based on the COVID-19 temporary stamp duty rates. In which case it's just the 3% surcharge on the full value of the BTL. £450,000 x 3% = £13,500. A bit sneaky that. Worth checking what rates the exam questi…
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Hi @Hidee, you should be able to enter via the CII website. If you try through PFS you get the choice of currency but nothing else! You can then redeem your exam voucher for either remote or exam centre sitting.
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Hi Klkritikos, This is all based on the NHS England pension scheme but I believe similar principles apply. 2015 (CARE) accrual is based on actual pay (as opposed to full time equivalent pay for the final salary scheme). Unless a GP, your clien…
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The Quietroom video is good, but it really does depend what level they are at. It's quite a basic overview, but useful all the same. That said, I wasn't sure about the change in tone when it got to the financial adviser bit!
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Hi all, Hope we're all well?! Now seems as good a time as ever to start posting rather than lurking. Currently using the pomodoro technique to keep myself focused, which seems to be doing the job. I always find I get more done at home than I …