TomLloyd_Read
Hi Stacey
The lady that co-ordinates the Qualification Mentoring Scheme is Gemma Warren - Gemma.Warren@cii.co.uk.
Good luck!
Tom
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"Two thirds of surveyed advisers say paraplanners free up their time to do more valuable activities". I found this interesting. Does it mean that a third of advisers feel writing reports, for instance, is a better use of their time than meeting c…
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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...)
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Hi Nathan I was just looking for something similar this morning funnily enough! Have just checked this out- any idea what to do with portfolios that have holdings which do not have MIFID data? We use a few ETFs which don't seem to have MIFID data…
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Hi Jenni Looks like you have been looking at it too long! You are right in that the PSA is reduced to £500 and they have £3,000 of the starting rate band left. So the first £3,500 is taxed at 0%, the remaining £35,100 is taxed at 20%, £7,020. The…
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As an employer, we put 2nd stage paraplanners through a level 4, multiple choice test, which takes around 20 minutes, and then ask them to do a short technical note based on a topic of my choosing. Senior paraplanners miss out the technical note bu…
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We have used the TISA spreadsheet and built our models into it. Took some doing still but provides all the information you could want. As you'd expect, the RIY % and £ do not look exactly like the costs and charges part of the spreadsheet and this i…
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Hi Nath, in answer to the first bit, yes this is what we had been doing. In a number of cases we would have written to the client to explain why we would not recommend a transfer but this wouldn't have been a formal suitability letter. I think of…
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In our ex-ante disclosure, we currently do a detailed breakdown, but I am looking at changing this to a summary. In our ex post disclosure, we are definitely going to provide a summary (investments/advice costs, combined product costs, tax) but ca…
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I suspect it was the old Octopus plan which at outset insured against any capital losses, covering the difference between the amount invested and the value at death. Thing was, and it was long time ago so bear with me, but I believe it was originall…
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Hi Dan In a business very similar to yours we charge VAT on most initial and on-going fees as a result of most of our recommendations pointing our clients in the direction of our in house DFM service. Doesn't matter what wrapper is used to hold t…
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Not as DFM, but I know they run the Way Global Momentum fund. If I recall, it is a fund which uses moving averages to protect downside and capture upsides through investment in ETFs. The theory was great but looking at charts suggests the execution …
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arongunningham said: As an aside, are any paraplanner here experiencing push-back from advisers to not fully disclose these hidden transaction costs? Not push back, as they have been told in no uncertain terms that client money will not…
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Hi Hannah I have been working closely with our MIFIDII implementation guy and have been responsible for coordinating the delivery of the ex ante cost disclosure. Fortunately I am not dealing with the ex post disclosure which looks as if it is going…
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Defaqto Engage also has it, for those with a licence. I found a couple on there that were not on FE.
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Hi Keith We have tended to always send SLs prior to application stage, so it has mostly been business as usual. However, there are occasions where this is not always possible (tax year end, products with a closing date, for instance). I believe you…
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Hi Rob As someone who employs paraplanners, I tend to look for CII exams first, partially as that is what we support as a business and partially I guess due to my own biases, having achieved Chartered status through the CII. This is still (by far?)…
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Hi Louise Most of our clients come to us with a CETV and that then dictates how long we have to complete the process. We have rather stolen the Standard Life/1825 "triage" process for DB transfer but it seems to be working. We have compiled a DB tr…
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Hi Susan I've done quite a testing of the IO Voyant link as we recently started using IO. Basically we only add physical things, property etc, to the asset table (and then you get them in Voyant as assets) and add everything else that you need a…
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Yes, I think this would be a good idea Dan and would be happy to attend and help out as required.
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I had a look and they didn't pass the sniff test! I guess they are unlisted corporate bonds, pretty illiquid and I'm assuming redemption is financed by either an asset sale or refinancing- they weren't very clear about this part when I asked I woul…
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The settlor cannot be a life assured under a DGT (and I assume this was the case in 2004) therefore, assuming the life assured hasn't died, the bond just continues. When the settlor dies, from experience we always recommend the trustees wind the t…
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I think the Los Pollos Hermanos manager event is in the next thread, meth kingpin in the one after...
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That's me, and yes I think it would be interesting and worthwhile.
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We have found that for some reason, Churchill has simply not updated / not reviewed any of the EIS he had promised in the spring. We have looked at MiCAP who seem to have been getting much better over the past year. Yes there is that conflict, but t…
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AF5 and one other is perfectly possible. I'd say as long as you have nailed your study for the other prior to the case study coming out (2 weeks before the exam), you could give both a good go. AF4 is probably the easiest I guess, and maybe go for a…
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We are working on the assumption that if you can accumulate a pension of a size that requires protecting, you have the common sense to fill out an online form and are telling clients to do it themselves! All we are doing is providing the information…