Suse1969
About
- Username
- Suse1969
- Joined
- Visits
- 688
- Last Active
- Roles
- Member
Comments
-
Thanks @Gustavo_Fring
-
Seems to be a system problem at their front end call centre. They only seemed to have the 4th BCE on their records but once we finally got through to the drawdown team, they were able to confirm the correct figure. Big concern if we taken on a Ho…
-
Completely agree. I've done my study sessions early and weekends and I try to restrict it to 45 minute sessions (15 minute break) then back at it. Past papers are the best source. John Reynolds of Expert Pensions was quoted saying that you're …
-
Minefield. We stopped doing professional sports years ago because the specialist brokers were much much better. At that time though we had medical insurance for a football team and a rep dance company. The IP was declined on a cost basis by the empl…
-
And some - top man @benjaminfabi - sorry, had to tag :-)
-
Agree with @arongunningham
-
I had a guy at Scottish Widows do a good pitch on personal protection but he's moved on now. They might still have someone with an angle in your area though.
-
I have to say that if the pension figures indicated that it would be worth investigating, we would pay for the calculation to be done. That's also down to the fact that our process is for the transfer advice to be invoiced whether or not they transf…
-
Last time I asked they didn't do partial transfers (late 2017). I've only had one scheme say that they would and it was Santander SPI section. Any proportion of post 5/4/97 but either none or all of pre, and it must be greater than 40% of total t…
-
I asked our resident expert and he's replied with the following: • Class & Simply Class can be done from 2 lives upwards, with a minimum annual premium of £480 – generally best for small, straight forward schemes – 2-10 lives. Cannot includ…
-
Try John Reynolds at Expert Pensions.
-
Ongoing suitability - fine. Charges - impossible to do this efficiently for the legacy book of business we have.
-
That's the same area I spend most thinking time on - and yes, once I've got that, the rest of the report does seem to flow quite nicely. I always try and get the team here to put together the objectives - if they've not managed to get that out of…
-
No we don't do much DFM work Dan, but yes that's my understanding too - DFM trumps. Ben, we work quite a bit on AA/LTA work - we've two universities and a teaching hospital here, so there's a regular stream of advice not related to a product.
-
We're part of an accountancy practice and my VAT team have given me a rule of thumb - if we're intermediating and there's a retail investment product at the end, it's exempt and no VAT. If we're doing tax advice for example, this is VAT-able as it's…
-
I've had a think about this and I'm not going to change our postage - same as it was. The reason it's raised it's head is that we have to report the breach to the ICO in the event of this happening. I'm going to go with us being as sure as we can be…
-
Still considering this Jonny. Head says we should but how many people are actually at home to sign for the documents? Gone will be the days of partially completing an application for a client!
-
I know it might sound obvious but have you posted this in the community on iO? I think it's something to do with Service Case and linking that to the plans but definitely not an expert and that's only my initial thoughts as we're not using the portf…
-
I think there will be areas it can help us, and help us a lot, but I can't see it having such an impact on what we actually do. I can't see AI replacing the technical abilities we need to carry out the job never mind the hands on, at the coal face, …
-
Have a look at Standard Life - their 1825 arm produced a triage process that we've adapted and it's really good to establish whether it's right to take things any further. Your local consultant should be able to source this for you.
-
Guess what we're adding into next week's paraplanner meeting here :-) I'd forgotten the auto text tool.
-
We looked when we made the move to Intelligent Office but it was in separate parts and income didn't link up with the database. Seemed a bit clunky for us.
-
Thanks both for that. I posted when we started looking at your spreadsheet Jonny as this is closest I've seen to what we need and we got to the same conclusion. We've a pretty straightforward proposition and when it gets more complicated then I'm ha…
-
@parawhat question for you - how do you deal with multiple products, eg investing in all three? Is there a way to aggregate costs?
-
We don't use iO to retain our documents (a bit cumbersome in my opinion) but use Volume Watermark. UK servers, and as per Richard's remark, we can obtain our documents if we decide to leave. Did research on backups and we were content that they met …
-
Yip, it's a great question Jona.
-
I asked our VAT and tax team: VAT - it’s the intermediation (of a financial product) that creates the VAT exemption and the customer is not important (though I guess in reality the nature of the customer will drive what they are buying). BIK - …
-
Oh good god and here was me thinking I had my head around this. I'm hopefully meeting with our legal firm next week post the Powwow (scheme members), so I'll post if there's anything useful from that too.
-
Oh yes - my RBS one was just a really confusing statement. No issues.
-
We scan in colour and print it black and white. It's a better print, but always submit and certify the b&w version.