Jona
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- Jona
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Can't say I have - looks interesting though..
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PM me and we can share!
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DC? DB?
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Had a similar situation a while back - came to the conclusion that two of you in the same meeting was counterproductive. Paraplanner got a lot more done whilst adviser was in advice meetings and had some time to get their head down......... Co…
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"I think the issue lies in the structure of the firm itself" Advisers should be advising and generating new leads and business, not report writing.
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COBS 9.4.7 https://www.handbook.fca.org.uk/handbook/COBS/9/4.html Not actually that much that MUST go into the report............?
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Hi @Colin1980 - can put you in touch with one of the guys in our protection biz - just DM me. Bit of background on this topic here: https://www.drewberryinsurance.co.uk/knowledge/employee-benefits/difference-between-excepted-and-registered-scheme
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Revolut have recently launched business banking too.
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Yep thanks @Andy_Schleider I think I have come to the conclusion that it would apply form the first payment of the new TY.
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Yes exactly. BPR is cleaner and future gifts can continue as PETs rather than muddying the waters with a CLT now. Client wants a Trust though............
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Yeah, aren't the scheme admin and member jointly liable for the tax. I would suspect in practice the NHS scheme would want to settle to discharge any potential liability......
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Yes looking at that too £44K+ per annum premium (before underwriting!!!!) to insure the current liability. PETs are across 2 children and 7 grandchildren so multiple gift inter-vivos on future PETs (if we go down that route) - it gets very mes…
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Is it under advanced setting in the DB record "lifetime allowance charge"
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In theory yes @Wildcherry But on the value above BR relief they will pay 40% or 45% AA charge (and assuming no LTA issue) then this is the same as or worse than 40% IHT. If they then die past age 75 (probable if in average health) any benefici…
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Many many many moons ago I worked for these guys - not sure about now, but Robin Ellison was a Director so had the ears of some ministers and those in DWP etc. They tried very hard to be innovative, but sometimes this meant they flew a bit close …
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Hi @Anna The client needs to ensure they are recording any normal expenditure our of income. We always tell them to keep a schedule (as per page 8 of the below) and keep it with their will https://assets.publishing.service.gov.uk/government/…
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Used to use a bluetooth screen that the client could have in front of them replicating the display on your own laptop. Worked well. You can sit across the table from the client and maintain eye contact rather than both looking at and talking t…
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That is spot on, thanks @arongunningham
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The online registration page doesn't work for me......
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Thanks @benjaminfabi Think I'll find a friendly local SETP practitioner to have a chat with.
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Or am I over thinking this and it is simply a PET. If they are giving the daughter the cash as a gift - the fact that the daughter chooses to jointly buy a property with it is neither here nor there....
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If the client does not engage (or wishes to delay annual review) we send an "assume (or you told us) nothing fundamental has changed with you so assume all still suitable" letter, If they fail to engage at second attempt we disengage.
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OMW have one https://www.oldmutualwealth.co.uk/Adviser/literature-and-support/chargeable-events/Chargeable-gains-calculator/ I thought Scot Wids did one too - but seems to have gone AWOL.
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Brett Davidson, FP Advance If he can't help you I am sure he'll point you in the right direction.
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@Clare_Weight - yes it's a bit more techy - we have software in our database that turns word docs into an encrypted web page which can be accessed by the end user who has the associated password (also system generated via random password creation); …
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It does seem a little OTT to have both Voyant and cash calc. Take your pick of those (and halve the subscription costs) then depending on frequency of need plumb for one of the main TVC modules (eg selectapen).
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https://www.royallondon.com/siteassets/site-docs/media-centre/good-with-your-money-guides/topping-up-your-state-pension-guide.pdf
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Is one way @arongunningham or without DIM; portfolio changes can be rebalanced into at next adviser led engagement when the clients agreement is obtained.
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Parmeneon have something too I think. And Square Mile.