Nathan
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- Nathan
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COBS 9.4.1 Providing a suitability report COBS 9.4.1R03/01/2018 RP A firm must provide a suitability report to a retail client if the firm makes a personal recommendation to the client and the client: (1) acquires a holding in, or sells all o…
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I suppose my question is, why are you running portfolios? What research capabilities that you and your team have over and above the likes of an L&G, Vanguard, Premier etc? @benjaminfabi has said before, we are storing up a whole heap of trou…
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Personally, I wouldn't move to a discretionary offering, DFM's are expensive and deliver very little in the way of value for the additional costs. Research the various Multi-Asset and Multi-Manager offerings available, blend a few and make that y…
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Via SelectaPension
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Resolved now
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For AJ Bell
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Ask the client why they want to transfer the risk from the scheme to themselves? i was reminded the other day that the S&P 500 dropped by 50% a few years ago and whilst I recognise that is not a diversified portfolio its food for thought. if t…
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Not sure how to do it on cash calc, but don’t forget the LTA increases as well.
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Apologies, its Retirement Advantage not Just Retirement
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www.tfpcalculators.co.uk/
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I have a genovo licence which I use to make sure that we have everything covered, we do not use if for any other reason other than to make sure we have everything covered.
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Hey Clare If I were operating an adviser firm, I would find one suite of Multi-Asset passive funds and one suite of Multi-Asset active funds and blend them on a 50:50 basis for each of the different risk profiles. It is then up to the managers of …
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Cheers Ben
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Hi Jenny One of my concerns is that anyone who obtains the standard will then be marketed to adviser firms that have the adviser version of the standards. Whilst I recognise that the Standard would make candidates more desirable, I think we need to…
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I am a firm believer in the only benchmark or measure of success used should be the clients benchmark, or how much closer the client is to achieving the stated goal. I
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Agree with Tom on this, the Greek 10 year bond yield is 5.52%, would you buy it? For me, to even get through to any further DD, the investment has to pass the, "would I feel happy if my Mum boght it?" test....if the answer is no, why would it be …
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excuse the poor spelling and english, i'm excited
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Hey Sian Attached is one that I send to my advisers to use? Nathan
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News at 10?
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Request the Scheme IDRP, this is the schemes Internal Dispute Resolution Procedure and tell them that you are going to make a complaint to the Trustees. My understanding is that that they have to report this to the trustees of the scheme that they …
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Obviously I dont know the full circumstances, but if they can stop the income from the pension arrangements (or take income up to the personal allowance) and spend other assets this would effectively remove the assets from the estate? The other op…
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Royal London
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Drawdown one off fee has just gone up on these to £191
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@benjaminfabi Be interested in the reply if you get one Ben
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I use moneyscope and I love it
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Thanks Jamie
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Hey Parawhat, I am sure that I or some of the other outsourced paraplanners might be able to give you the occasional piece of work to ensure that you are not just working for one client? I must admit I am not a specialist in this area, but it mig…
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Have you looked at the Vanguard Lifestrategies and the L&G's Multi-Index Portfolios?
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Hi Anna Have you had a look at MoneyScope? This offers a great solution to these problems in an easy to understand (For clients) way. You can ask it to tell you what a sustainable drawdown rate is based upon a few assumptions and input 'BlackSw…
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Hey Richard I know that no-one has a crystal ball but I would love to hear the panels views on the State Pension and whether they believe it will still be in place in 10 years or so's time. I think it would be good to get a handle on the average c…