Ralfos
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Great answer Ben. I have a similar question on the same product if you could help please? My client does not have enough in the 'main' fund to meet the GMP so they will have to use the reserved fund (fair enough). However, this client has more tha…
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IOMA is expensive and has a potential sting in the tail if the client lives to 100 but can save fortunes in the right scenario. Try and speak to Ed Midgely about them
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Those fidelity videos look ace!
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We went round the houses with this last year. Rathbones do as do Vestra as mentioned above. You might also (worryingly) come across some DFMs that will say that they can but are wrong and have no idea what they are talking about!
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Update........not option 7 anymore - option 2
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Bit late but Royal London do a 'level decrement' policy which is basically a series of polices ie 1yr, 2yr, 3yr, 4yr. I have used on once to match the last 4 years of a gift someone made 3 years ago. However, almost no-one at RL will even know th…
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You need to get on with Expert Pensions/Brand training by the sounds of it. I couldnt imagine how difficult it would be to try and sit exams without a pointer
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Agree with Alex - get hold of the last couple of Langcat publications - gold mines of info!
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I've been using Julian Hodge for recent ones. Cant guarantee rates are the best but they work well with the SSAS and SIPP providers we tens to use (MW, Investacc, Suffolk Life).
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Lutine might also have a look at it
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or even self invested Personal Pension (siPP)!
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Thanks Jamie - the old tax tail/dog motto is something we try to live by. I just wanted to check other views. The adviser I work for is very much of your viewpoint and having thrashed it out again, the tax saving on a few k missed is only a few hun…
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Cheers Dan. I see your point about the extra wrapper charge but the administrative nightmare of multiple plans with varying maturities etc is always a pain!
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AEGON call centre staff are unbelievably badly trained/understaffed. If the platform wasnt so cheap, I dont know why anyone would use it???
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Nice - thanks. Can I ask which platform people are using to hold structured products?
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Can anyone explain to me how the dilution levy would work on buying a fund? (Aberdeen). Eg today the levy is 7% and I buy £1 of stock. If the levy is removed next week, does (all other things being equal) the unit price increase to £1.07? It se…
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We began trimming property from an admittedly overweight position 3 months ago (so not based on Referendum) but as is life, not all clients have had their reviews yet. So basically all of our clients have somewhere between 5-10% in the SL fund. Fun …
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Thanks Dan I did and they are having a look at it but there initial feeling is that it is very unusual.
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Methinks Damien is perhaps remunerated based on new clients???/ http://citywire.co.uk/new-model-adviser/news/alliance-trust-considers-platform-sale-in-strategic-review/a915932
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Arent they also up for sale? Introducing a new platform while up for sale puts this in firmly in our 'avoid' list until the future is clear. Same for AXA Elevate.
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I havent but I met with Lutine recently regarding a big ex pat case and they told me they love group stuff and individually underwrite everything so are fairly flexible.
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TOP TIP ALert. I spent 24 mins on the phone waiting for an answer today and eventually pressed '1' for a call back which I assumed would perhaps be in July but was actually 10 mins later. So it appears outbound are less busy than inbound if that hel…
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Thanks for the responses guys Glad Im not the only one. To amarshall - James Hay to ARC. thanks
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Looking at something very similar today but with gifts far in excess of the NRB and sporadic over last few years. I can concur with Ben and Caro that it is indeed complicated but thanks for the steer both )
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Hi Im Andy and I too forgot to introduce myself before diving in with questions. I've been paraplanning about 6 months now after a 10 year break from the industry. I was previously an adviser but now my level 3 quals arent sufficient and there ha…
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Can you expand please? We use Aegon a lot due to the fee cap but have not noticed this. thanks
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6 hours, 7 phone numbers (2 of them no longer working) conversations with TPAS, MAS and multiple HMRC departments and Ive got it so Im saving the detials here to save anyone else a similar feat! Pension Scheme Services: 0300 123 1079, option 7 then…
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Hi Roxy - cant vouch for all of them but Bordier UK are looking fairly promising.
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Does this article help? http://www.pruadviser.co.uk/content/knowledge/oracle_archive/oracle-technical/oracle-tech-february16/annual-allowance/
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We did some trades on this the other month and each one had to be input seperately. Was very long winded