DanAtkinsonUK
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- DanAtkinsonUK
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Yes, it can be quite hard to come up with what to write about. My tips would be: 1) Practice makes it less difficult. The more you write the more you will get to know your 'voice' and the quicker it will become. 2) Work out who your audience is an…
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I’m a member of both. Partly as I’m doing the CFP. Need to keep PFS for my other designations. Have a chat with @Rebecca_Tuck re the CISI pension transfer exam as she took this I think.
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I’ve not used it but know a Paraplanner who just started working there. They are keen for feedback- https://www.linkedin.com/in/damiancorley
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I really like Go. Especially the Insights that they have been developing. I still use Adviser to check what's going on when people here have plans that start misbehaving... It would be a wise plan to get familiar with Go as that is definitely the wa…
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Sounds like employer contribution, but as there is no relevant benefit accrual for the members no use of AA or direct impact on LTA. Perhaps best to check with the provider - I know Rowanmoor have offered DB SASS products for a while so they might b…
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None that I have been able to find - even on the LTC side as far as I am aware
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You are welcome to take a look at the Impact Portfolios we do at EQ Investors too. www.eqinvestors.co.uk/advisers
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We are in-house, but when I get emails from providers if they have something interesting and insightful to share I will generally take a look. If it is just another pitch then it probably won't get much attention. Perhaps have some interesting conte…
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I'm also wary of calculators where you can't check the workings. I also wanted to ensure that I understood (as best I could) how all the bits and allowances etc linked together. So I built one in excel based on how I would work it out by hand. As a …
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I've seen excel cashflow planning tools, but you expose yourself to risk on several fronts. keeping it up to date. avoiding errors in the calc. The benefit of a CF tool is that they will test it in more detail and have more users so more chances to…
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@richallum said: @DanAtkinsonUK is that an open session L&G do or was it one they did for you? We had them come in and deliver it. However they do run it in very small groups (less than 10) from time to time. It was extremely interact…
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@benjaminfabi said: Bumping this because I'm interested in who you used for business protection training Dan? We have used L&G who have an excellent session including delving into company accounts. Can't recommend it highly enough. …
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If it helps. AF exams are generally the application of R/J exam content, so are looking for a different type of answer. Some of the resource packs for AF exams may include R/J content as it is good for content revision. I recall that Wizard Learning…
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@AndyRichards we have a large in house investment team who build/run our models. We use discretionary powers to implement and rebalance quarterly. Having people in-house with these specialist skills mean we can do this and have full time researchers…
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We remind the trustees who they are investing for (beneficiaries) and to answer with that hat on (not their personal views about what they would do with their own money). Seems to help a bit
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Wow! That is helpful - they sometimes come in handy as a resource. Thanks for posting @Nath
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I picked up a copy and have been using the training matrix for one of our team. Not sure I would do it as 'the standard' personally, but the skills analysis was helpful for SWOT.
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Have a look at what we are doing in this space. We also offer a DFM service to other advisers. Aron's points are spot on. Is it about avoiding evil or actively doing good? www.eqinvestors.co.uk/dfm
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If you are looking for confirmation straight from the horse's mouth look here: https://www.gov.uk/guidance/inheritance-tax-transfer-of-threshold
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My Utmost consultant has sent me the attached technical sales briefing from their website. As @arongunningham says, it's an exemption granted by the Irish Revenue / Central Bank of Ireland. Need to keep our ears to the ground in case this changes, b…
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The VAT exemption continuing comment is interesting. Has anyone else heard about this?
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Thanks @parawhat that's really helpful
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Remember that the trust and the bond are separate things. The settlor has a right to call in the loan from the trustees at any time. The trustees are investing the loan amount for the benefit of the beneficiaries. They just happen to be using an on…
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the guaranteed bit is that the 'rates' by age are guaranteed rather than being reviewed based on claims expereince
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So... I think I have made this do the RIY calculation correctly including cashflows. Borrowed some of the code from @benjaminfabi spreadsheet. I've got a projection based on no charges run alongside one with charges (month to month calc withdrawals …
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Yes, they do @Jona
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I've just had that. Post-RDR (technically a disturbed bond) onshore bond. Advice charge is part of the AMC/EMC bundle and they have to give you a special withdrawal statement that shows what they deducted... They don't tell you what the % basis is f…
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I'm surprised that XPLAN doesn't have a task system/MI reporting up to the job. Might be worth getting your rep/support/whatevertheyarecalled there to have a chat and see about how the tools you already have could be made to work better. Have to say…
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I'd suggest that you ask around on the NextGen Planners members Slack group. There are definitely people who are going through this decision making process. It is a members group so you would need to sign up (can't remember the cost, but I get a lot…
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Hi @lauroyle we do Impact Investing here at EQ. It's important to begin with the end in mind and know what impact you want to have / what you want to avoid. Build your normal asset allocation and then look at the opportunities within it. You might h…