richallum
Can't remember what this box is for.
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- richallum
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Comments
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@Suse1969 what was the random check for?
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Thanks @Jamie_Barnes & @Jona all good ideas. We've had some sent in 'offline' too in response to this and building up some good content for 2018.
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Hi @Robd a good option could be to go to CII or CISI London meetings and do some networking.
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Thanks @timblowers I'll check them out.
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As an employer and exam taker, I'd back up previous comments and recommend going CII route.
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I think that was the last time I did one too.
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Hello @CQplanning we met at NextGen. Good to see you on here and great chocolate choice.
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Thanks for the link @Clare_Weight that's good.
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A few typos in that make it rather meaningless! So, here goes again. Forget the previous charges. Work out the ongoing charges if he keeps the money with Zurich. That’ll be the AMC plus any policy fee. Thats the figure that counts. If he starts pa…
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@Rebecca_Tuck these are old Eagle Star products. They were designed for clients as sure as possible that they’d keep paying off the full term. The values in the early years are low due to the 35% but the projected values and RIY was very good. I …
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FCA approved/regulated range of simple products that can be sold with no or minimal suitability requirements. ISA, personal pension, term assurance should cover the vast majority of UK population and could really get guidance, simplified advice and…
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@timblowers Magnus is the GPP version of the Vista. I used to work at Zurich and set a few of these up. We now work with an adviser who has several clients with them and in turn use an accountant that is very familiar with them and does the tax ca…
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is it a VISTA plan?
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I've been several times and it is a big event. Still deciding if to go or not. There are enough sessions that interest me but they're spread over 2 days - if they were all on the same day it would be an easy decision.
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@Navigator we use Moneyscope to stress test but it's a manual process rather than the whizzy way others do it. Can talk you through it when we speak if you like.
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Good post @parawhat we do similar process but also do a CF based on client objectives if they stay i the scheme to compare with the one if the TV. We also do a stress test / capacity for loss CF based on transferring showing market crash simulation…
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Here's a good blog from 2016 on this subject. I've applied for the new standard (not the one we already have). Best way to find out more is to go through it (unless it's the £750 quoted on the last launch webinar). I'll report back on my experi…
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Hi @Reece thanks for joining the site today and joining the thread. This site was set up for people to share their views, ask questions and provide answers. No questions are 'ridiculous' so please refrain from using that tone if you wish to post a…
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Hi @jenny.ryan got any details on it yet? I've sat in on the webinars and there hasn't been anything concrete to think about.
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I've seen a matrix work well as a starting point where it uses AGR, term & risk as metrics. It's always a starting point though. If you're in a dog 226 with only a with profits fund at 0% bonus and 'no' charges with one of those wonderful proj…
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Anyone travelling from Harpenden/Luton on 13th and coming back on 14th please get in touch if you'd like to share.
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Speak nicely to @Nathan
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Not a direct answer but the online Howwow in October will be all about risk with Rory Percival and the main Powwow in Sept has a session planned on risk profiling.
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I've spoken to PI brokers and underwriters about this and it's a non-issue for them. Complaining that the CETV has gone down after you were advised not to transfer (assuming the advice was suitable at the time) is not a valid complaint.
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Alistair Cunningham did a very good article in Money Marketing recently on their triage process too. @benjaminfabi has some very good ideas on this, have a look at his recent posts in here.
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Personally I think you've got to the analysis fully or not at all. Also, the CY has little to do with the suitability of a transfer these days and only using that is dangerous.
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Did the DOV state the money should be a direct gift to the kids or a gift held on trust for them?
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@Nathan BONG!
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Was settlor only life assured?
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Hi Elsa, have you had a look at http://www.paraplannerdirectory.com/