arongunningham
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It seems like the Long Scan's don't use the MIFID2 charges data, which probably means the performance figures aren't net of MIFID 2 charges - something that would need to be addressed, if true, i'd say. Although, second guessing myself, maybe the…
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sub question: Does anyone explicitly (in the report and/or engagement letters) offer the facility to receive the report in a larger font? Clients are commonly older and less able to see smaller fonts and we've been debating whether or not to add …
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Arial 10pt
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^
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In reality, will this just be an extra line or 2 in an application and some small-print in the key features?
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As i'm sure you will too, I always include a warning about the calculations - in the same vein as investment performance is not guaranteed, neither are my CGT calculations!
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So when you're looking at selling the whole portfolio - you're talking about unrealised gains, right. So it's not ever decreasing units, it's whatever's in the pot now. For realised gains, the information should be available from the platform hop…
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There may, however, be other reasons that we don't know about. ... but there may be other reasons we don't know about. Both this sentences could work, couldn't they? I don't know why you can't use however as a replacement for but.
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I'm not an expert, but this is what I would do: You are both non-smokers I do use however as a substitute for but in the middle of a sentence (not as a rule, but I wouldn't think not to use it). Jake is 37
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... if the providers aren't offering their best prices at the start
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^ There should be rules against that. Ultimately, the client is going to be disadvantaged (generally speaking)
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https://www.retirementhealthform.co.uk/Home/DownloadForm
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I don't know what we're calling MIFID compliant charges... is it still a TER, or an AMC, or an OCF?? Whatever we're calling them, you need to calculate and include the total cost to the client and illustrate this on a per 'cost-type' level and at…
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@Nath said: Immediate thoughts: * If they don't take PCLS then die post 75 then subject to marginal rate tax on beneficiary so could they use for regular expenditure and stop other taxable or less tax efficient withdrawals. Also depen…
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The answer's CashCalc, what's the question?!
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the question is: what is the gross contribution?
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R06 is designed to be a combination of the previous 5 R0's in a way that is different. It's written not computer-based. You are given a case study and effectively provide advice to the fictitious client. If you've passed the first 5 exams ther…
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Have you done the other R0's recently? And do you work in the industry day-to-day? If so, it's a cramming session once you have the case study, for me. There's also some companies who also buy the exam so they can tell you what they think the…
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Thank you. Yeah i've literally only done the R0's so assume i need the full 120 credits from AF. But i will double-check that.
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I need to pull my finger out and start this journey. I have previously completed R01 to R06 and 10 years' industry experience. It's been a long time now since I sat exams so starting afresh. Is there a preferred route to tackling the AF's? …
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In your example, you appear to be saying that IFA's think they can do a better job than Vanguard?
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is the coursework to provide the CII with a financial recommendation report as if it was a client's suitability letter, or is the answers to questions you're writing?
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Yep, make sense. We've just had a spout of difficult trustees
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It's all double-dutch anyway
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Per HL: The term 'ethical' is often used as a catch-all to describe funds managed with social, environmental, or other responsible criteria in mind. But there are lots of different ways you could profit from your principles. The main approache…
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Nice one, thanks!
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There's some confusion there - the transfer will, of course, be at current market value, but that doesn't mean the cost price will alter from the original source. You can't gift to a child to avoid CGT. There is an inter-spouse exemption as you p…
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No. I'm not sure it's worth it to be honest (assuming it isn't free)