Nathan
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- Nathan
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My opinion is that Paraplanners do an awful lot more than what is listed here and this almost belittles what we do.
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defo worth a chat with these guys http://www.tcfinvestment.com/maps Nicki at XPM could probably do something like this. EBI, already mentioned I think Abraham offers something like this I don't know if you would include the Charles Stanley pass…
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Thanks Big Chief, feel free to delete.
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Same
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@benjaminfabi said: I feel like there should be a competition for the most ridiculous sentence in a report. Maybe not for a public forum though My favorite is " we have assessed your attitude to investment risk and it is well w…
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My administrator has a check list of what to look for and if she cannot find it she calls the provider and gets it. The checklist also has a summary of why the information is being requested and how we use it so they understand the relevance and im…
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With regards to the process, personally I would send them valuations etc as well as a high level overview of the information you have on them as well as the risk profile and ask the client to confirm that the information remains the same. That way …
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If it were me, I would write to the client acknowledging that they did not want to meet and you have had to carry out your periodic assessment of suitability based upon the information you have on file. Instruct the client to let you know if anythi…
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I agree with Aron, what needs to be asked is why are we considering the transfer of the work place scheme to the existing FAD arrangement? Why does the client want to do this? It is likely much more cost effective however, it may not offer ben…
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Do the practice papers over and over again until they become second nature. The volume of calculations to remember is a lot, so by doing them over and over it becomes second nature.
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Thank you @Navigator
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@Razor said: It is 'neither of you smoke'. Smoke is the verb, and as it is second personal plural, there is no 's' added. The s is only added if you are using the third person (he/she). P.S. I have found learning another language does wo…
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Thanks @arongunningham I do not confess to being a wordsmith but in the context of saying " You both consider yourselves to be in good health and neither of you smokes." sounds weird to me, I much prefer " You both consider yourselves to be in …
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No worries, was I the only one that didn't know about this feature?
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Capacity for Loss is not about losing sleep, it is about how much the client can afford to lose before it starts to impact their lifestyle. You could have a clients whose attitude to risk is high, but they cannot afford to lose any of it and vice v…
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I used the Transact thing the other day as well for the first time, so thanks @richardgough
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I absolutely agree with Aron on this, no phone number means no support, but if you really want a demo, here is the guy who owns it email address colin.turton@adviserasset.co.uk
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I've held the VT UK Infrastructure Income Fund in my pension for a while now and been really impressed with it. Happy to share my contact if you want?
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Page 36 Question 9 https://www.esma.europa.eu/sites/default/files/library/esma35-43-349_mifid_ii_qas_on_investor_protection_topics.pdf In ESMA’s view, when providing portfolio management to retail clients, investment firms should comply with …
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some good pointers here https://www.talbotmuir.co.uk/2018/11/focus-120-pension-provision-for-members-in-ill-health/?dm_i=1W67,5Y4Q2,MTMEPG,NAK0O,1 https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/…
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Mine was based upon assumptions about age and amount. In any case, £17.80 a month for the additional cover is not to bad. If you did use Joint Life First death for a mortgage, the money would be used to pay off the mortgage anyway, which would f…
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Joint Life second death for £500k is £110 per month Single Life for £500k is £50.83 each So its more cost effective to both do single life.
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The client is 55 already but doesn't yet need income so flexibility is not a reason to move.
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thanks Sam
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here is how to find it
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@TomLloyd_Read said: Don't worry, got it, you can add charges manually. I just told my team this might be the best day in my life ever (but they can't tell my wife that...) Love it!
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These might help? https://www.taxworld.co.uk/other/finance-acts/fa-2004/part-4-pension-schemes-etc/chapter-5-registered-pension-schemes-tax-charges/section-221-non-residence-general-fa-2004-s-221/ http://www.legislation.gov.uk/ukpga/2004/12/sect…
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Some providers have forms that they want completed by the clients doctor or consultant to confirm that they are terminally ill.
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Resolved now https://www.oldmutualwealth.co.uk/globalassets/knowledge-direct/flowchart-for-informer-09.07.2015.pdf