Jona
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I think this depends on your client segmentation. Would you put a £5M+ client into the same product as a £200K client? If not why wouldn't you? You then have a list of providers A, B, C for one client segment, D, E F for another client segment et…
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@benjaminfabi @arongunningham Thanks guys. Yes it's a small Ltd Co and client is owner / director. Taxable as P11D benefit makes sense to me.
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Thanks @arongunningham - that was my view as well.
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For providers etc and in creating a "panel" (for want of a better word) use software such as Defaqto to run regular (you decide on the frequency) market reviews. For instance. Platforms. For a platform we need it to do X, Y and Z for the client a…
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If you start from the point that the whole of the market is open to you then you are independent. You might be cutting out large chunks of this with overarching beliefs - e.g. don't believe in a active investment mandate - but as long as they have …
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Think you need to be logged in
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Transfer of a S32 to another plan will lose the protected PCLS - so would need to be S32 to S32 transfer. A Section 32 contract from which the whole of a member's rights are transferred (on or after 6 April 2006) can be treated as though the scheme…
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I've used ATEB before http://www.atebsuitability.co.uk/
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Not sure of your location @HBB but this chap does F2F via the Sussex CII http://www.audley-training.co.uk/ Your local institute may run similar?
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Hi @richardgough - thanks for you reply; much along the lines of my thinking. Yep have had dealings with Peter before so if client really wants to risk it will suggest pulling him in - but it's a "no" from me!
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Send the common quote form around to all providers https://www.aviva.co.uk/adviser/product-literature/files/qu/quoterequest.pdf
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Might be reduction in LTA issues if exercises the early age.... May impact other pension funding.
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If you and your firms standards are higher than that of the resources you have access to, then I don't see it as a waste of time.......?
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Hi @bambi We take a similar approach to @richardgough We do have some support in the form of basic templates provided by our network but they are poorly written, illogically laid out and full of jargon. Essentially I therefore have to re-write t…
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What about a MiFID II update a few months in - to see what's come out in the wash and sharing best practice?
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For the AF exam you didnt need to remember the BCE number. You just need to know what they all are and how each is treated.
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If anyone has R03 / R05....?
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Nice!
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Hi Louise, We do our TVAS in-house.
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Hi Louise, We tend to find that (potential) clients already have their CETV; which means we have to move fast to meet the guarantee date. We do full fact find (including ATR etc) and build out Voyant plans to give us the high level view on transfer…
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Thanks both.
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Or Voyant....!
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There's this - https://www.timelineapp.co/
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Life expectancy - https://visual.ons.gov.uk/how-long-will-my-pension-need-to-last/
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Voyant - if you want to incorporate cashflow modelling generally into your advice process. CashCalc - might be a lighter touch if just using with certain client types. They are the main two I have used....
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Fab @richardgough - thanks
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IOMA tends to be expensive - but have different products that are set up to appeal to slightly different client circumstances / needs; so may appeal to some. Can Life does what it say on the tin - not used OMW yet.
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Hi, I've used out sourcing services before but rather than a paraplanner we identified other tasks that were more admin in nature (client servicing / provider requests and chasing / invoicing etc) and used outsourced services. Cheaper and allowed m…
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IOMA - Old Mutal Wealth
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Hi @jenny.ryan I worked there for several years; albeit a few more years ago than I like to think about. They did everything above board and had client service at the core of their proposition - as you would expect a "true" SIPP and SSAS provider …