Jamie_Barnes
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Hi @Jenfraser try suggestus/ Asset risk consultants. They have a free login for adviser firms and a vast directory of research/ ratings and due diligence documents.
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@richallum We use 'Executive Summary' here mostly but others I have come across: * Just 'Summary' * Outline Recommendations * Background * Nutshell Advice or Advice in a Nutshell * Synopsis * Abstract * Digest
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@PeterM Good question. We tend to leave it to the adviser to decide whether the client needs the DB review or not at the moment. Some clients will take their DB scheme pension no matter what so the advisers are reluctanct to 'waste time' so to speak…
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Hello, i'd agree with all that has been said above, but i'd suggest looking at R05 and getting that out of the way as if you need a confidence booster, this exam has the highest pass rate of all R0 exams (at around the high 70's). R05 can be done as…
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Some of things I enjoy: - Always learning something new, every day - No two days are ever the same - Some freedom to structure your working day - Positively impacting clients' lives - What you put in (in terms of interest and effort), you get out (…
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Hi, my only other suggestion would perhaps be Nucleus, but you're not hitting the 0.2-0.25% charge, it'll be 0.35%. However, that's the only fee you have to consider unlike Transact and others so when it comes to decumulating assets it can save quit…
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Hi Elsa, our firm ran out of patience with Elevate (and others!) and looked at Aviva as an alternative but decided against them in the end. Our due diligence of Aviva's platform showed it to be a very good potential option, with well thought out pro…
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If anyone uses Nucleus they have a tie-in with Redmill advance who have produced an in depth case study analysis for AF5 and R06, and the cost of those is £99 each plus VAT. Haven't seen how good they are but i used them for R04 and that was pretty …
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Hi Benjamin, I'm not an expert on this either (far from it) but a quick brain dump that might offer some help (or not!): I'm aware that the accounting principles have quite a lot of impact on how the company is taxed, as well as the size of the c…
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Hi Nathan, you might've seen but this was quietly confirmed as being the case: https://www.gov.uk/government/publications/spring-budget-2017-overview-of-tax-legislation-and-rates-ootlar/annex-a-rates-and-allowances
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Colinstewart76 said: Depends..... IMO you have to strip out advice/planning fees and look at everything else. The advice/service part of the TCO should only be judged relative to the value of the service provided. If advice/service alone is 2…
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I think it's good to hear opinions of providers and products from those who actively use them, much more so than research companies who tend to strictly look at costs and features (i discount the feedback they receive as it's always going to have a …
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Essentially, i found once the book had been read and practise questions attempted, you get into a routine of identifying that of the four possible answers they give you, at least one will be uter nonsense, and then with careful reading of the questi…
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The saying goes to never let the tax tail wag the investment dog (or something along those lines) especially given CGT rates are so favourable at the moment - therefore, if the rebalance only uses 7k of her allowance so be it, you want the client to…
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Don't think there is anything unreasonable about getting cross with a software provider that firms pay good money to to do a specific task! I totally get we need to cross check the outputs from them, but we should be able to rely on them to some deg…
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Couldn't be able to recommend any as we don't use them here but i know Thesis is a DFM that offers passive models. 7IM offer passive funds that are broadly similar to their active DFM offering, only passively allocated so that's another alternative …
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P.S. CHAPS doesn't count as faster payments!
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I've had a go at using the new comparison tool and to the penny it matches my own calculator i've built, so that was quite satisfying! I wanted to get the ball rolling on a gripe I have with nearly all platforms. We are in the 21st century, are ab…
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That sounds like a good idea @Nathan. I love a good moan about platforms not being up to scratch and would happily start the list off! I've certainly noticed that platforms pay more attention to collective voices, especially when your own voice only…
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Using O&M! We had the same issues i'm afraid. I used to also use the money market sector but i can't remember if that gets around your specific issue.
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Probably missed the boat now but I carried out research very recently looking for single premium providers - as you rightly point out Exchange doesn't allow to filter (neither does Assureweb) - I only found Aviva will to offer the single premium opt…
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Hi Richard, Nationwide have a good starting point for FTB average purchase price by regions. I don't think it has it by income band though. http://www.nationwide.co.uk/about/house-price-index/download-data
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Thanks @Jona, definitely something to think about. From what i've been told, they are less of a DFM but more of a platform; they have their own model portfolios so to speak of EIS products, but we can pick and choose our own from a list so it appeal…
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We may also look at Genovo. We use in house templates at the moment but trialled PPOL for a few months and aside from one adviser who really liked it, the rest of us absolutely hated it. I personally found PPOL to be very client unfriendly in terms …
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Hi everyone, Has anyone heard of/ tried Kuber? I had a meeting with one of their reps a few weeks ago and it seems like a good idea, but haven't got any further than that so far. Would be good to hear others' opinions if there are any!
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I'd usually start by asking Transact as they will be able to say yes or no pretty quickly. They usually can hold most US company shares if they're listed and quite often will 'add' them if they don't already allow them. If Transact say no, 7IM would…
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I prefer FE; taking StevC's points into account above, i would say Analytics now allows for all of those features so which one is better is merely down to user preference on interfaces. I also like that FE is UK based whereas Morningstar is a US own…
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I'd do a 'before' and 'after' comparison so line up the current situation versus what it will look like afterwards by converting all charges over to pounds and pence (based on current values), which i think is more akin to 3 but probably still a bit…
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P.S. It is law as soon as royal assent is given, but this has been delayed possibly until October.
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Ah, seems like a bit of confusion on the part of the adviser then! That last paragraph is now law. pre 75 - tax free. post 75 - marginal rate. Haven't heard any different about payments into Trust though, like Dan has said above. Just a quick quest…