Jona
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You can get a salary guide from these guys (split out by broad regions and different functions). https://www.idexconsulting.com/salary-guide-2019
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Used these guys before in this space. https://ebip.co.uk/
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Has The Lang Cat got anything?
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Yes they do a lot of Key Man, Relevant Life etc and it is all done through Iress
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Surely the IFA firm for whom you are providing services will have PI - so you would be double insuring..... Sounds like the IFA you have been speaking to is just trying to pass the buck - perhaps not the sort of outfit you want to be working with.
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Protection guys here use Iress
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@Rcaisley we toyed with this one too, but the weight of the undertaking initially and ongoing put us off in the end. We felt we did not have the time and resource to pay the necessary attention to it and regulatory burden and impact that could there…
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I would say you definitely need this if you are handling client data.
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@arongunningham you can get shorter than 13 weeks. See: https://www.drewberryinsurance.co.uk/employee-benefits/group-income-protection-insurance I'll have a word with the Group Protection Advisers and see if I can come up with some names.
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Yeah, earnings are actually about 265 and then he's got a london rental and a few other bits so....... need a full breakdown but taper may still kick in to a greater or lesser extent
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If they have the earnings in the year they are carrying forward to (in this instance £250K in 2019/20) then they can carry forward up to 100% of their earning. EG 40K from 16/17 40K from 17/18 40K from 18/19 10K for 19/20 (tapered AA) Tota…
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Snap @benjaminfabi
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Does this not state otherwise? https://www.gov.uk/hmrc-internal-manuals/pensions-tax-manual/ptm088630#IDAQR5IB But any pension increase which is in some way personalised for the individual, for example it occurs on a birthday of the member, is u…
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Yes - client is question is tapered to £10K this year but as no UK earnings (rent income only) can carry forward the 120K. What is your twitter handle @benjaminfabi - I'll probably learn a thing or two!!
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Yes they can. (i've determined)
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@Northface Combo. Lock stock move from one network to another.
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@arongunningham our network (rightly or wrongly) has interpreted it as you and @Nathan say. If client review cannot be conducted then we issue a letter saying "on what we know it's still all good, but if anything has changed since we last spoke t…
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Yes it a variation on the same theme as the Can Life WPA and the IOMA ones. Not used it myself (or indeed for a client).
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Cheers @Andy_Schleider
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Just bumping this one. If there is anyone out there who is part of True Potential or Flying Colours that would be willing to have a brief but candid chat about the good, the bad and the ugly please could you drop me a DM? Much appreciated.
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@kimbendall This has a multiple income source calc as well as stand alone PAYE, divi, CGT etc - but like @benjaminfabi I tend to use them as a sense check for my own workings (or maybe I just have an unhealthy distrust of online calculators.....) …
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This doc https://octopusinvestments.com/adviser/adviser-centre/document-library/octopus-mifidii-guide-advisers/ includes EIS as an "investment service" - so will require reporting..... If the EIS is a discretionary portfolio then don't see why Mi…
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If she is releasing equity and using that to pay care fees there has been no deprivation. How soon is the care anticipated? If it is just "at some point in the future" then making gifts or other planning to address other legitimate objectives (s…
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I think this is where buying in a white labelled robo proposition could work quite nicely......
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@T_Smith No not as triage. If the client wants us to look at it then we charge a fee regardless of advice outcome.
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We have a dedicated protection team here. After advising correct product, terms, provider etc they get one of the customer service team to schedule a 45 minute slot with the client over the phone to do the online app and Trust stuff. As you say the…
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Yep as per @benjaminfabi good old fashioned xls and add it as a future value in Voyant.
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Top bombing @arongunningham
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@benjaminfabi Yes SDLT issue needs raising; I am hoping they did seek the requisite advice and mortgage was sorted prior to transfer of ownership.
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Canada Life's Tech team's view. It is our understanding that it would be two PETS, as they are separate transactions, unless there was an official contract/agreement in place in which case he would be buying at below market value and so the gift…