benjaminfabi
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You are right Caroline. The most important aspect is complete certainty of the gift history. If you know this then you can work out whether to use LTA or GIV cover or something else.
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In a word Nathan, yes. But like everything, it can get complicated. You need to be confident that you can calculate the potential liability and if there are PETs that predate the CLT it can be difficult to insure the correct amount (if it is possib…
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I have a similar experience to Peter. When I've used Voyant I've stuck to what I think is useful for the client ie the graphical output. Then explaining what's what underneath them. I've created reports for IFAs where they specify what elements they…
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R 1.10 A standardised deterministic projection for an in force product may omit theintermediate rate of return except for personal pension scheme and stakeholder pension scheme contracts taken out after 5 April 2014. This is the one that …
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Sadly not Jamie.
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I agree Andy but rules are still rules. Whilst we frequently query the charges that some providers use (or don't use!) in their illustrations, failure to display the fund value in accordance with COBS is really sub-standard. Also to be clear, I am …
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Yeah basically COBS 13 Annex 2 is explicit in that a 'standard deterministic projection' must be rounded down to no more than 3 significant figures. (eg £113,789.54 becomes £113,000, £14,875.32 becomes £14,800) Aegon's are always produced to 2 deci…
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Anyone registered for this? We have a team of five going to Manchester.
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Seems I have missed this factsheet from the DWP https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/495377/pension-benefits-with-a-guarantee-factsheet-jan-2016.pdf
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haha will it just be a 50% reduced photocopy!
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Royal London for pension information. I find that it gets the balance right in giving you enough technical information in a readable way. Unlike Pruadviser, which is good but very difficult to read and get what you need easily.
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Also, if the date of leaving is pre aday it won't have a pension input period and therefore, essentially, cannot have a pension input amount. All you could ever want to know and more can be found here. https://www.gov.uk/hmrc-internal-manuals/pens…
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Yeah I don't know why. I'm going to write to them for an explanation.
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Hi Jamie, If you don't mind me asking, how many platforms does your firm currently run assets through based on the outcome of your tool?
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In our experience, most clients (and advisers) are requesting net amounts, so we do this calculation on each case that we see. My understanding is that the processing basis set out in https://www.gov.uk/government/uploads/system/uploads/attachment_…
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It's me skewing the average as i earn £3.2m pa
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I have this http://www.sussex.ac.uk/informatics/punctuation/toc Every paraplanner should read the section on commas and semi-colons!
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Dan's tip also applies to tabbed browsers
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The sumproduct formula is one of the most useful and yet underused paraplanner formula in excel. Used with a column of fund values and a column of OCF/TER it will give you the weighted OCF/TER. No third column required. I have seen so many portfo…
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Yeah although mine hasn't worked
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I quite like the idea of becoming FE Certified. If we're linking in to things that add value (even perceived) then I can see an advantage to this from a business owner/recruiter perspective. And it is a lot less expensive than some other skills cour…
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Www.ukbudget.com on one tab https://www.gov.uk/government/publications/budget-2016-documents/budget-2016 on another tab Look at the measure on the first one and cross reference for greater detail from the second. What I love about the Deloitte s…
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Hello. I'm Benjamin and I am a paraplanner. I loved the old forum and I think I'm going to love this one too. I specialise in pensions but to be honest after more than a decade I'm struggling to keep up these days!