SimplyParaplanner
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I haven't been responsible for setting CFM assumptions for a few years last time I did was 2023 and this was my reasoning. 2.5%. The 12-month UK CPI inflation rate for September 2022 is 10.1%; This is the latest available data according to ONS.go…
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I recall a tale from an ex Natwest adviser from years ago where Natwest advisers bonus was based on the volume of policies sold not on the value. He told me advisers would regularly write multiple bonds (for add flexibility!!!) to improve the bonus …
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Just be careful on whether moving from AIM to BR would still retain the 100% relief. Section107(2) IHTA 1984 sub clause 2 seems to be causing some confusion on whether with the proposed changes full relief will be retained. Time Investments ha…
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Same view point as Andy. I would concentrate on getting the diploma first and pick up J09 later if you want to tick that box. I see lots of jobs for paraplanners wanting people either with the diploma or working towards it. I've never seen a para…
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Congrats on passing R02 it is a tricky exam. R05 is a level 3 exam and it might be a nice break from having studied so hard for R02 to go for an easier exam that might not require so much commitment. Recommended 50study hours 10 credits and has t…
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Hi Dan, It sounds like you just need that little bit extra. I am a fan of BTS study guides but sounds like the BTS study buddy app might just give you want you need to pass. I have found it to be more like the exam than RevisionMate which is just…
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This might help and refers to houseboats https://www.gov.uk/hmrc-internal-manuals/inheritance-tax-manual/ihtm46030
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You are correct about the Discretionary Trust however N&S are no where near having a IHT issue with assets inside the estate of around £250K so is this a concern at this stage, or more something to consider as part of annual reviews going forwar…
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I would agree with your Compliance department and would expect to see costs and charges shown separately for each wrapper.
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Wow, makes you wonder how Abbey Life had financial trouble with charges like this!
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You can only take it from the pension if it is for pension advice only, no issues taking from say a GIA or ISA they might hold but not a pension. You and your manager are right to be wary of this.
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I have used Cascade a few times no issues with them.
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Certainly an option for the right Client in the current climate.
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@Nath said: Don't blame you for avoiding Curtis Banks and James Hay....both shocking service nowadays! Its a shame Suffolk Life used to be good before CB tookover.
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Dentons
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You are doing your part Andy, I think you need to have a quiet word with them about this. I am sure they will be welcoming of you pointing out the pitfalls of attaching documents to emails.
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Aegon One Retirement minimum on regs is £1. https://www.aegon.co.uk/support/faq/how-do-i/money-in/contributions/Is-there-a-minimum-contribution-I-can-pay-to-my-pension.html
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Hi It is as you say just an investment switch therefore you would just need to include the usual risk warnings when moving from cash to Stocks and Shares. I am sure you have already but you would need to consider leaving money in cash for charg…
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Speak to Transact they might be able to help they are quite flexible on things like that.
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> @bambi said: > At the risk of sounding dim, can I ask why you would recommend an over 75 to contribute the gross payment into a pension? wouldn't an ISA be a better option? did the client have IHT issues? > > thanks Whils…
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How is everyone coping now with remote working? Have you all managed to get settled?
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Aviva also can do this. I know Transact can not do this currently.
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Hi Andy, I don't have a list but Whitechurch and Tatton have Ethical solutions which we compared against when we selected Parmenion.
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It might be worth looking at someone like Parmenion. They offer 4 different versions of their portfolios depending on how ethical the Clients views are and then 10 different ATRs so 40 portfolios. Just as an example if you google Parmenion Ethica…