Nathan
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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
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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?