Nathan
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- Nathan
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You can get the last 10 year RPI and CPI figures off of FE. I have averaged the output from both of these data sets and arrived at the figure that we use for our clients assumed inflation rate. For the growth rates, I understand that the FCA have …
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Not sure if this helps? https://www.pruadviser.co.uk/knowledge-literature/knowledge-library/normal-expenditure-out-of-income-exemption/#
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I use a system called project.co to send documents to advisers. All the servers are UK based. You can encrypt word documents very easily, I use this if I need to communicate client sensitive data to a provider. Having tested Gareth’s FileH…
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My writing assessment is completely different to what we are used to everyday. I select two cars of the same value, one is the highest spec and one is the lowest. I ask the candidate to write me a suitability report for the one he or she…
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Yep, that'll be the one!
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Aviva doesn't have that functionality.
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thanks all, just on the phone to Aviva now to establish why those charges are not disclosed.
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Remembering the rules is easy. All you have to do is remember that if there’s ownership or possession, then the word should take apostrophe -s. If there are many (the word is plural), then just an “s” will do. If a word is both plural and possessed,…
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I had a quick look, my concerns are 1) why is Octopus not available? 2) what benefit does the platform offer over and above going direct? 3) the cost of it is paid for by the provider which feels like a step backwards in my opinion.
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I made this for Informed Choice
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It probably depends upon how you sell your proposition. If you market yourselves as being advisers that look to best the market and you don’t, the client could well be right and you will have an unhappy client on your hands. If you market yours…
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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 …