arongunningham
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- arongunningham
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We send the client a letter to send to PAYE. I think if you act as a agent it would be to complete a self-assessment. It's unlikely to be worthwhile for you or the client to fall into self-assessment world if this is the only reason. The body …
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I've been wondering if we should include 'on track to meet goals?' which would re-assess the target income in retirement and the likelihood of this happening. We could use the Timeline app to do this i think.
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You are being too cautious. It's absolutely fine to advise on new protection for equal or same benefits whatever the saving and as often as you'd like. Clearly, he's only doing it for the commission (because a decent adviser would charge separate…
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I think it's CPI Max 2.5%, but best bet is to give the PPF a call, it's generic information because it's the same for everyone. Once you have the annual increases, you'd then need to do a DB Scheme AA input calculation, which is always fun.
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I'm an IO user, so sorry for my ignorance, but can you add a document to the portal the client > the client gets an email to say it's there > They open and docusign it > then it's back on the portal again signed?
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I'm sure this is semantics, but are we talking about threesixty, the compliance people? If so, they only provide word templates - there's no 'wizard' or anything to make them into a fully fledged report. You can use them, of course, but I don'…
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For me, what's important is whether or not that client has had a withdrawal before. If it's the first time, yes a formal recommendation with risk warnings is provided. For the 2nd+ times, I think what you've suggested above is fine. So long as…
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There's a couple of ways to approach the maths. Personally, I would say in 2 year's time there's going to be 4 remaining segments, so make everything 4/5ths. that being said, i wonder if your original figure of £2.295 includes full segment sur…
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I don't understand why you wouldn't? If you have £85,000 with Bank 1 and £85,000 with Bank 2 - what's the concern?
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Good question. I think, on balance, the preference should be given to his current risk profile (more than the current market decline). If it's determined that RP4 is appropriate, when assessing: His ATR, Capacity, Need and Time Horizon; then t…
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if it's new business the total aggregated charges is just adding up all the charge elements: Platform, investment, adviser. Needs to be expressed in £s and usually % too if that's how your reports normally look. You say review, so I don't know if…
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I think i'm right in saying, Benjamin, that the only time it can be more than 25% of 1.5m is if the TFC was higher than £375k at A-Day?
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New > Portfolio (this isn't the page you open when you first login) Build a portfolio > Save Portfolio > Longscan. It won't have 7 years performance though (only 1,5 and 10), so you'll have to do that separately at the first page you…
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nevermind, L&G have changed their mind and it is possible
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I would love to see what the IFA community can come up with in VisME
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It tends to be 'pick a provider' rather than 'pick an investment' They'll have their own default funds, won't they, and the investment choices (if not default) will be pre-determined too. I don't think it'll be the same process you'd have for …
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Great, thank you!
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My understanding - Institutional - Share class reserved for corporate customers (cheapest) Retail - Share class for everyone else Insured - The version of the fund bought via a personal pension (e.g. the Clerical Medical Invesco Perpetual..…
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Yep, sales of units to pay for Adviser Fees are liable to CGT
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I know you know what you're talking about. I do too. [rant removed] Peace!
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yeah but we're talking about the units, aren't we? If the client spent £10,000 and that gave him units that cost 50p then he spent £20,000 on units that cost £1 The units when merged have a cost price of 75p? (sounds like you're saying the co…
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^ it's a slow process, for some, but everyone will be cash-flowing before too long. FYI cashcalc isn't ideal for this, they can't handle tax positions. But this is something they've announced to incorporate for 2020. At which point, assume it wor…
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I'd have thought it would the average book cost of the 2 purchases?
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Why do they need to move things into her name? Why can't they spend the capital when it's in his name?
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https://www.akademiacpd.com/
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I don't know. But if they gave their daughter the money first (and subsequently was used to pay for the wedding), this would certainly be a gift. If not, the parent's are literally paying the bills - I don't think it's a gift
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I was under the impression that the assignment can only be to individuals or into a bare trust.
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You can take 25% of whatever the value is after age 75, so long as the person has not exceeded their Lifetime Allowance
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@DSCFConsultingLtd said: @arongunningham said: Wouldn't it better to contact her rather than ask her to contact you?! Are you really trolling? No. If I was offering an opportunity to someone, I would be much mo…