parawhat
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@richallum said: Wednesday's Howwow will cover this. Looking forward to it.
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That's brilliant. Thanks @Jamie_Barnes
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Thanks @Jona and @arongunningham I like this - so true: @Jona said: Retirement is always on the table as a discussion point and it is advisers skill to get them to formulate this into an action plan as the time draws nearer. Is 2…
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Thanks Tom. Yeah, Foresight and Gravis are the two we've been looking at as the easiest way to get exposure. Agree with the alternatives label; makes more sense.
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*bump
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Currently in our paraplanner 'library': * Beyond the 4% rule - Abraham Okusanya * The Number - Lee Eisenberg * Tim Hale - Smarter Investing * 7 Habits... (Covey) * Seven Stages of Money Maturity - George Kinder * Eat that frog - Brian Trac…
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Agree with above - won't be tapered because taxable income < £110k
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@arongunningham said: Is the client Auric Goldfinger? @benjaminfabi Exactly. I'm sure they'll come around once the adviser explains the alternative. @amarshall I do kind of get why accountants might be a bit wary when an IFA mentio…
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@arongunningham said: Why do we, by default, think of Investment Bonds for Loan Trusts? Because it's a non-income producing product, right? Is it going to get untidy if you put the trust assets into a GIA? Yes, it's the non-income …
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@richardgough thanks. So, the next question... Does anyone know of any platforms that offer loan trusts that could be used in this way?
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I keep coming back to these as in principle they seem like a great idea but I've never actually implemented one. I'd not heard of flagstone before, but their proposition is probably the best I've seen to date, albeit a little pricey at £500 + 0.25% …
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Thanks for the updates @DanAtkinsonUK and @arongunningham
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Our current preference is also to use Dublin based bonds for the VAT exemption reasons too. However, like @TomLloyd_Read whilst we're keeping this under review we're not planning on making any changes in the short term until we have something more c…
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Good one that Nathan. Ta.
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Are the 'Best Rises' figures definitely correct in that document? For example, the highest figures are for two of the lowest risk portfolios e.g. 80/20 and 70/30 at 54.1% and 52.8%, which goes against the trend of all the other figures in the tables…
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@arongunningham said: (i assume all the 'off-the-shelf' risk profilers update their AA periodically). We've just done a recent review of different risk profile tools and for the ones who feed directly into an AA, they update at least annu…
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I'd suggest b on the basis that if using the AA from a risk profiling tool, that's what you should be doing if you've bought into that whole system/process. If you're mapping the risk profile output to an AA you construct yourself or buy in, like yo…
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Happy to contribute my two pence worth Nathan! ;-) I heard some good arguments at the Powwow for why firms should be able to use CIPs and I think this has helped clarify my thoughts on this issue. The way I'm thinking of it now is as follows: …
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Ring the platform and ask them to do the conversion for you (assuming they can). If you just carry out a switch as normal on the platform this won't be treated as a 'conversion', even if you switch from, say, a dirty to a clean share class of the…
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That's brilliant!! And just playing around figured out if you click the up or down arrow it maximises or minimises window too!
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Another vote here for CashCalc. We use it daily - mainly the cashflow, gain calc and carry forward calculators. We're also Voyant users and find the ability to have access to two different cashflow systems works great as not all planning requires a …
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Whenever I'm reading up on trusts a name that comes up time and again is James Kessler QC. He writes for Tolleys quite a lot. I like his writing style. He's got a book called 'Drafting Trusts & Will Trusts' which seems to be a pretty definitive …
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Thanks @charlotte.e
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"Minefield" Haha! That seems to be a recurring theme with anything to do with sports people! We've got our own specialist sport team and in-house insurance brokers which does make this all slightly easier, but still looking like a bit of can of w…
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Old post, but we've got a similar case for a Dubai resident. Has anyone ever used William Russell to put in place cover?
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2nd for John Reynolds. These guys are also good http://www.financialadviseracademy.org.uk/
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The closest thing I've used before was the attached. Not sure if any use or not! You could tweak this so provider name/address was pre-populated/automated and then you could manually tick boxes, write notes etc.
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I'd second ATEB. Also try: https://www.genovo.co.uk/ They're both very similar and either would suit your needs. Personally, I prefer the user interface of Genovo, but prefer the output of ATEB.
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I like 'key information' - ties in with KFDs How about just 'Summary' instead of 'Executive Summary'? Anyone got any thoughts on something to use instead of crystallisation, crystallised and uncrystallised?
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The areas I spend the most time/effort on are: * Objectives * Why* we are recommending what we are * The disadvantages* to what we're recommending * Formatting and general tidying up of the report * Personalised, not simply generic rea…