ruthiebusybee
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Thanks @PoppySheppard I haven't found anyone else in our list of providers, thankfully!
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@richardgough said: 30 - 40 minutes - nope. It is nowhere near that long, provided you have the details of the trust, settlor, trustees etc to hand. More like 15 mins, including setting up the Govt Gateway. Get Govt GAteway ID for the Trust (Y…
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Thanks Richard
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Thank you all!
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I've asked FE directly but not had a reply yet and the online chat can't help.
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Does anyone know if there's a tool on FE for reviewing the ESG 'grade' of an existing portfolio, as opposed to using it for screening/filtering/selecting funds?
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Thank you @richardgough That was my thinking too, and it seems so logical, why would HMRC want to spend time on something they aren't going to get paid for, but was second guessing myself!
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Thanks @richallum - will take a look!
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Bounce!
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Thank you everyone - much appreciated!
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The wrap we use doesn't send monthly slips, just a the P60 in the investor annual report. As far as I'm aware, none of our clients have ever questioned it.
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We switched to Assureweb from Exchange, because it does the same job and it's free!
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I worked as a sales ledger clerk for a local department store, then took a job as a pensions administrator (about 18 years ago) for an IFA, then moved to another IFA, got qualified in old money, had a go at a few client meetings, but realised being …
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Hi, would anyone who had the extra papers on this thread be happy to share? I realise some rates might be off with it being a past tax year. Just need the practice as it's been years since I did an exam, eek. Any help would be much appreciated - …
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Thanks all - yes we only bind the final final document, so perhaps I will suggest metal combs rather than a heat binder after that review! Thanks again
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Also looking for R05 question packs if anyone has them? - last exam I took I found a huge list of downloadable ones on the CII website but now they're all chargeable..........
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@Nath said: bug bear or bugbear?? Well, quite.....
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I've only just seen this, but would say absolutely not. Definitely not standard or necessary on any level in the UK. The FCA have some screening questions for CF30 positions, but you wouldn't expect it for entry level. IMO.
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In my experience the bonuses for admin and paraplanners have been completely discretionary and even varied from a set £ to a % of salary from year to year in the same company. Or linked to PD targets. For planners/advisers, one firm only had them…
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@arongunningham said: It's probably lower than you'd imagine for those that do use it. Having knowledge of how many use cashflow is useful, so you can claim to be a trailblazer if you do it too. But if the adviser wants to see if they need…
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Thanks @arongunningham much appreciated
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Pre salary is £27,495, so sacrifice will be from full 20% and full 12% NI band.
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During meeting copy documents are given to admin by planner, so that LOAs can be prepared immediately and signed during that meeting. We have standard template letters that go off with them and act as a checklist for admin when it comes back in. …
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I do believe your table was the inspiration for mine! @benjaminfabi
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Great, thanks @benjaminfabi , I can't see how else we can do it without the provider statements........which one presumes will be more technically accurate.
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Some cases require a lot more work pre-report than others, and I would feel 20 per month to be very high, unless they're all straightforward ISA reports! I have many many hats in our business and I'm struggling to get on top of the end of year IS…
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@Gustavo_Fring no, ex-poste. Giving them the RIY and true cost of charges annually. For ex-ante, we run provider quotes and the quotes give us the RIY after 20 years for example. We use that figure in recommendations.
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@benjaminfabi I've attached the calcs, I am using actual data. I've got monetary actual charges and worked back to %, and in some cases (EIS/VCTs) where only a % is given it's been "best endeavours". Until provider statements are available, is e…
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Thanks @benjaminfabi I've got a spreadsheet set up that does that, but only in very simple form, using the whole year as 1 period and assuming all fees were taken at once, so start value and end value giving growth, and then fees, with growth add…
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No, we don't at hte moment @arongunningham , I'll take a look. I've got a very simple formula set up now, and testing it, on the investments that have gone down over the period though, it obviously has a lower RIY than the actual charges, which l…