benjaminfabi
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- benjaminfabi
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Hi Emma, Go to the advanced search page on FE Analytics. Search the word 'hedged' Filter the results to the universe of your choice. I'm not sure that it captures all of the hedged share classes available but in the UT and OEIC universe it has r…
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I sat R01 last week. For someone just starting out on exams at level 4 I'd describe it as 'easily failable'. It is very dull and in places really gets into a lot of detail. I agree with Richard Gough and if I was starting out now I'd pick one of th…
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I doubt your experience will count against you. Most important thing is how the relevant experience from that job maps to the role of paraplanner. Being that close to Diploma will be a plus IMO: I'd expect you to be a bit less expensive to recruit t…
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I would use common assumptions for it all, be it via cash flow or other software, or in a spreadsheet/on a calculator. Of course these need explaining to the client and they are in no way set in stone, indeed a number of different scenarios can be p…
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I'd be interested to see a screen shot of the actual example because the way it's described in your post definitely sounds odd.
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There is no requirement to complete a tax return for a nil return. There is an issue where the income from the trust is from capital settled by a parent for a minor, unmarried child. Then if it more than £100 pa it has to be reported as income in t…
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Well done Richard, sorry to offer no help. I didn't ever do the R route to diploma, although I have R01 next Friday.
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I got in on the previous packages so it was somewhere between the first two options. I got video modules, which were very helpful, but I paid about £240inc vat. I think the revised prices and content will justify the price: it is quality stuff. Howe…
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I used expert pension for af1 and I'm also sitting af4 in April 2017. Like others here I intend to sit j10 in the run up to it, and also j12 (just because of similarities in the syllabus and they are all FCA relevant qualifications) To be honest, …
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I used expert pension for af1 and I'm also sitting af4 in April 2017. Like others here I intend to sit j10 in the run up to it, and also j12 (just because of similarities in the syllabus and they are all FCA relevant qualifications) To be honest, …
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Hi, We are 3 paraplanners working for 7 advisers. We have a dedicated administrator and each adviser has a dedicated administrator.
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Congratulations @Billopp You have won the award for the best pension geek happiness inducing post of the month (possibly the year). There is no prize sadly That, to a sad sod like me, is a wonderful link. Thanks
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Hi Hucko, No, you can't include the potential value of DIS benefits in the overall value for protection applications. Ben
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I would say that if you ever get the chance to go to a seminar with John Hayley you should go. Very good content and delivery backed up by proper understanding.
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What I like about online is that you can record it and stick it up for everyone.
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That COBS section also says that you have to give the comparison to the client. In reality this means including the full TVAS as an appendix/enclosure. Because of this requirement, I do emphasise the CY in the report, even if that means explaining…
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Guidance to COBS 19.1.2 and 19.1.2A is provided in the handbook... COBS 19.1.3 (5) where an immediate crystallisation of benefits is sought by the retail client prior to the ceding scheme’s normal retirement age, compare the benefits available from…
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You do need to do a TVAS at immediate vesting, if the client has not reached the NRA of the ceding scheme. This is a regulatory requirement - COBS 19.1.2 and 19.1.2A.
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No Dan sorry. New O&M is fast becoming my favourite software though. The retirement modelling part is really powerful.
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https://www.handbook.fca.org.uk/handbook/TC/App/4/1.html The appropriate qualifications list! Have fun!
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That's a great response Richard. Thanks for taking the time to do it. We now have so many different allowances and exemptions that a tech widget to give you the answer is no longer viable. It really is for us as paraplanners to get into the detail …
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No problem. O&M won't do it for free though. It's a subscription service where they get a letter of authority from your client to approach the relevant scheme and then produce a TVAS.
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I'm happy to add some bias! O&M TVAS software is so much more advanced than SelectaPension that it's not necessary to produce a comparison. SAP will give you a critical yield for your reports and allow sufficient input to deal with most situati…
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It's getting very silly indeed. I don't think you are missing anything though, just one of those things. We are also getting annoyed with it.
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Finametrica has a risk mapping to lots of risk target fund solutions on its website. I'd get a few of those and see how the fe risk scores for a given fund compares within the range that finametrica gives for best fit.
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It's a rubbish process. If a gain is able to be topsliced then it should follow that the topslice represent the amount of income for that tax year. Then again, CGT was vastly simplified a few years back. You could argue (I wouldn't) that the topsli…
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Get them on the phone mate. I had a list of questions and we've just gone through the lot.
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Suse1969 said: kept the Selectapension TVAS system because we prefer that (well, when I say prefer....). I assume you mean because it's about 20% of the cost of the O&M TVAS software!
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Why are you doing illustrations for ISA? Doesn't the KFD have an example to satisfy the exemption criteria in COBS?
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We now have O&M's new ESP system. I've had it for less than 24 hours and all I can say is...Wow. I mean it was always a good system* but this latest release is looking like it is an incredibly powerful bit of kit. I'm going to be fully road te…