PPWow
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Ah nice one thank you, that looks like a good resource too
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Not a bad place to start, thank you I might brute force a database together. I was thinking the FSCS might have a 'company groupings' database so I'll check there too. More out of interest this than any real world benefit!
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Interesting thank you. Maybe there is a secret army of Paraplanners, they live among us!
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Freetrade are great for accumulation only SIPPs No Unit Trusts but a good range of ETFs, Investment Trusts and direct stocks of course.
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Best to get the commutation rates direct from the Scheme Andy as they'll also vary according to age and slice type etc. as I'm sure you've come across
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Hmm I'm not sure about that? If the full pension is £20k p.a., reduced pension is £15k p.a. and commutation rate is 16, then the tax free cash would be c£94k (not £80k).
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I don't have experience of transferring US stock to a UK brokerage but if selling down the stock is not time-sensitive, then Mr and Mrs could each use their annual exempt amounts (assuming they don't use this amount elsewhere) and sell down the stoc…
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I generally use the advisers' accounts Andy as these subscriptions can get very expensive. Luckily all of the advisers I've worked with so far have their own accounts! Perhaps you could gently point out the benefits to the adviser of using these web…
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Perfect thank you Debbie!
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Hi Yonkers, Some extra things to consider: * The client's views on 'smoothed' returns (in the context of their overall portfolio), * The client's views on the transparency of the investment, * The charge of the fund (and whether it is impl…
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I would suggest the light-touch approach, you don't want to get sucked into the labyrinth of state benefits! You have done well to bring this to their attention though.
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Morning all, Thank you for taking part, we had 32 responses which is impressive! The results are as follows (drum roll please). But first, as some of the category names are cut off in the charts below, here they are again: * Report writing, …
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So there's been some interesting results! I'll post the results on Wednesday in case there are any last-minute entries
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Great idea, count me in too! Also, just in case people don't know, you are able to claim 'old style' Jobseekers Allowance even if you are self-employed (but earnings have dried up). This benefit isn't means-tested (it's based solely on your NI…
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I'll also be interested to see the SIPP offered by the Freetrade app when that is launched in 3-6 months. I understand that they will offer both Vanguard and non-Vanguard ETFs. But like mentioned above, this is probably going to be an 'accumulation …
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Hi Rwooffatst, That's good thinking but I was hoping for the total no. of accounts. I guess AUM is an indicator of that but not quite what I'm looking for. I'm also looking for providers/accounts that are closed to new business you see. I'm as…
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Ok thank you for confirming Jamie!
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I'm not too sure on the FCA requirements but it is good practice to have a 3rd party present in such cases (although I'm sure you already know that).
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@Jona said: There is no salary link for employer contributions. The test for tax relief (corporation tax) comes down to the wholly and exclusively for the purpose of trade test. AA / TAA will still apply though. Would the individual…
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Sorry for the delay Andy! You're right, I need to make sure the ToB is clear and talk through this point with the adviser too. Have a nice Christmas and New Year
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@richallum said: We use Collegiate. Thank you Richard I'll check them out. @Andy_Schleider said: If the client requires you to have PI, send them the bill for the premium!! Haha that's not a bad idea, I'm just not sure it…
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Afternoon guys, Thank you Andrew, I'm going to limit my liability as well but the client requires me to have PI in place too. I'm not sure what the cost will be so hopefully it's not too damaging! Thank you Benjamin I'll take a look at that th…
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I recommend Starling too - they seem pretty slick and work well with cashless businesses. Does anyone know of any good business savings bank accounts? (Starling, like many others, don't offer interest on deposited funds).
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Another thing that I just read about is that it is best to try and create 'evergreen' articles (i.e. articles that aren't too heavily time-dependent). For example, 'Thoughts on the recent Budget' might not be the best article to write for the long-t…
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Haha yes, Unipass seems to actually be more hassle than it's worth in the freelance world!
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Did you manage to get around this in the end Andy? Have you spoken to Unipass? It's not something I've thought about either!
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Hi Andy, Thank you for this - I think I'll ditch the direct debit idea for the foreseeable future if invoicing is working well for you guys. Also, I think I'll ditch the deposit idea and see how it goes (it's probably quite obvious if the adviser…
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That's true, I was thinking of basing my fees on roughly what others are charging but pricing it out your way is a good option as it's more specific to me. Hmm, it looks as though I need to do more research as you're right, if it's not onerous th…
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Hi Benjamin, Interesting answers thank you. Providing an estimate makes sense so I'll think I'll follow that approach. I'm going to charge per case (rather than per hour) to keep things simple. So time tracking should be more of an internal thing…
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No problem, good luck!