Andy_Schleider
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- Andy_Schleider
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I found this article - hope it helps: https://www.investmentweek.co.uk/investment-week/news/1398361/offshore-versus-onshore-bonds
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I was panicking like crazy a couple of days beforehand as I was only just scraping marks from the CII question banks. I had previously gone to a revision day run by the local CII, but it turns out that I needn't have worried. I reckon it's probab…
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Why would you do JLLS for a mortgage? That aside, even if 2 separate policies is a bit more, it's not by much. I had separate L&CI plans and my wife claimed on hers. The advantage of that is that mine is still running, so I don't have to bu…
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I still find that comment about bypass trusts being a curveball rather strange - I sat the last exam so remember the question being asked. Was it really that much of a curveball? The question in the J05 exam the day before about Bereavement Suppor…
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I was fortunate enough to be able to make use of the Aviva study aids. They will be out of date in terms of some of the legislation but may be of use - some of the questions in the practice exams were hard. Someone let me borrow their audio guid…
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Do you mean the study text @Gracewills?
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My understanding of this is that the beneficiary must survive at least 30 days otherwise the gift fails. It's probably done to stop the benefits passing to the beneficiary's beneficiaries if they die at the same time, or shortly after (if that make…
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Isn't this a PIE (Pension Increase Exchange)? If so, it could well impact her LTA. The value of her benefits will be tested against the LTA when the benefits are first taken. So (for instance) a pension of £48,000 per year would be multiplied by …
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I think there is a good explanation of this in the AF7 examplar, question 1
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Once you have R01 you can advise, albeit under supervision. If you are planning on doing the exams quickly in succession you can save money by joining the CII, but it's not compulsory. Only when you get to Level 4 does it become a bit more importa…
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I've attached the paper for April 2017 - the factfind has already been added by Claire. As for papers with examiner comments and model answers - I don't know why the CII has not included these on AF5 although they appear to have done on other mod…
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Cashcalc is easy to use and quite intuitive. I signed up for a free trial of Voyant while Cashcalc was down for a big update, but I couldn't really get to grips with it. I didn't find Voyant intuitive at all and trying to add the state pension was…
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This is one of the few things that Macs seem to be able to do better than Windows machines. Windows are better in every other way though!
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Sure - here you go
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Thanks Claire
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Thanks for the past papers Claire. I've also found some on the BrandFT website. However, the April 2017, October 2017 and April 2018 papers don't include a fact find. I managed to locate one for the October 2017 exam but not for the others - do…
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I agree with Clare - how can they do that?
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Where are you based Claire? The Sussex branch of the CII offer study workshops. I attended R03 and R04 workshops which definitely helped. The next R02 study workshop I can see is on 19 November. They are run at the K2 Leisure Centre in Crawley. …
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No experience won't matter to some; in a lot of cases your attitude will be the deciding factor, but you've got to get in front of them first, of course! I started working for a big financial services provider, and started my qualifications while…
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We use Selectapension but I understand CashCalc will be releasing an offering soon. If it's any good we'll probably use that instead due to the integration with Intelliflo (plus it generally looks fresher and cleaner than SAP in terms of UI and out…
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I'd give them a call - they should still be able to help you out
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If you were at the CISI Conference in the A Stream there was a sales presentation from Royal London which may count?
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@JohnnyD said: Thank you Sam! Out of interest does anyone understand why MIFID would affect Aviva's decision to provide exam resources? It's seen as an inducement. If you use their resources then you are obviously going to send al…
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Hi Aron - I was referring to a document/template for the provider to tell them what is enclosed; something that can be completed without having to faff around with creating a new letter each time
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It is, and full of bugs. I had to screen grab and paste in the Money In/Money Out and Savings over Time graphs to the report. Also the State Pension income hasn't been taken into account at all, even though it's been entered (and you can't save …
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Thanks for all your help and replies - as Jona said the initial time investment will be worth it going forward
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It was great to meet everyone on Tuesday and share views. I'm based on the Kent/East Sussex border so probably a bit far for you to travel, but always happy to share ideas or ways of working here
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I was at the PFS Paraplanner event today, and one of the people I spoke to said that you definitely need R01, R02 and R03 - there's a lot of stuff in there that draws on the knowledge from those exams (especially the tax). I'm still in 2 minds abou…
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OK so that's 3 for AF7 - any more?
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Are the study groups happening? I'm booked for AF7 in October 2018 and feel that this could be really useful