Absolute Sense Independent Financial Advisers Ltd
9th December 2019
Trustworthy firm of Chartered Financial Planners - AUTO ENROLMENT, WEALTH MANAGEMENT, SAVINGS, PENSIONS, EMPLOYEE BENEFIT SCHEMES, FINANCIAL ADVICE, MONEY MATTERS.
We can advise you on
-
Mortgages
- Buy to let
- Buying commercial property
- Buying first home
- Equity release
- High loan to value
- Mortgage protection
- Next home / Remortgaging
- Self-employed mortgages
-
Investments
- ISA / Unit Trusts / OEICs
- OEICs
-
Business
- Commercial mortgages
- Group Pension/Stakeholder
- Group Protection/Life Insurance
-
Stockbroking services
- Stockbroking services
-
Long Term Care
- Long term care
Meet our advisers
Maria Spencer
Chartered Financial Planner
Qualifications & Accreditations
FPFS - Fellow, Personal Finance Society (PFS)
To achieve the Fellowship grade, individuals would be required to have 10 AFPC (Diploma) units or equivalent. This shows a commitment to continuous professional development.
Accreditations
Paul Waggitt BSc (Hons) FPFS
Chartered Financial Planner, Director
Qualifications & Accreditations
AF2 - Business Financial Planning (CII)
This examination assesses the candidate to develop in depth financial planning skills related to business.
FPFS - Fellow, Personal Finance Society (PFS)
To achieve the Fellowship grade, individuals would be required to have 10 AFPC (Diploma) units or equivalent. This shows a commitment to continuous professional development.
Chartered Financial Planner (CII)
Having achieved the APFS designation, advisers can go onto to achieve this recognisable benchmark of quality and ethical practice for financial services professionals, elevating financial planning and advice in the public eye to the same standing as other Chartered professions. The holder must demonstrate a combination of experience, financial qualifications, ongoing educational activity (continuous professional development) and ethical behaviour.
AF3 - Pension Planning (CII)
This examination assesses the candidate to develop in depth financial planning skills related to personal and corporate pensions.
AF5 - Financial Planning Process (CII)
This examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.
AF4 - Investment Planning (CII)
This examination assesses the candidate to develop in depth financial planning skills related to investments and the management of investment portfolios.
AF1 - Personal Tax and Trust Planning (CII)
This examination assesses the candidate to develop in depth financial planning skills related to personal tax and trusts.
ER1 - Equity Release (CII)
This examination assesses a knowledge and understanding of the different types of equity release products, risks to the consumer associated with equity release and application of suitable equity release solutions according to the circumstances of different customers.
J05 - Pension Income Options (CII)
At the end of this unit, candidates should be able to demonstrate an understanding of the: process of decumulating pension funds and the main issues for clients and advisers; main choices facing members of pensions schemes during decumulation; features, risks and tax treatment of the secured pension option; features, risks and tax treatment of the unsecured pension option; features, risks and tax treatment of phased retirement; features, risks and tax treatment of the alternatively secured pension option.
CF6 - Certificate in Mortgage Advice (CII)
This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.
J04 - Pension Funding Options (CII)
At the end of this unit, candidates should be able to demonstrate an understanding of the: main tax and legal frameworks that govern the accumulation phase of building up retirement benefits under registered pension schemes; features of defined contribution and defined benefit pensions; choices faced by early leavers and use of transfer value analysis; State retirement benefits available, including the risks and suitability of contracting out of the State Second Pension.
CF2 - Investment and Risk (CII)
This examination assesses a knowledge and understanding of investment products and the risks involved.
CF8 - Certificate in Long-Term Care Insurance (CII)
This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, long term care insurance products and the giving of long term care insurance advice.
J01 - Personal Tax (CII)
At the end of this unit, candidates should be able to demonstrate an understanding of: the basic structure of the tax system and self-assessment; the main taxes on income and capital that may be charged on individuals, the self-assessment system and how tax liabilities are computed; impact of residence and domicile on an individuals liability to UK tax.
J02 - Trusts (CII)
At the end of this unit, candidates should be able to demonstrate an understanding of the: legal principles associated with the creation and management of a trust; main types of trusts that are common in the UK; taxation considerations relevant to trusts.
Accreditations
Peter J Waggitt BSc (Hons) A.P.F.S. Chartered Financial Planner
Chartered Financial Planner Director
Qualifications & Accreditations
AF3 - Pension Planning (CII)
This examination assesses the candidate to develop in depth financial planning skills related to personal and corporate pensions.
CeMAP - Certificate in Mortgage Advice and Practice (LIBF)
This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.
Dip PFS - Personal Finance Society Diploma (PFS)
To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.
AF5 - Financial Planning Process (CII)
This examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.
ACIB Pre 1996 - Associate of the Chartered Institute of Bankers (LIBF)
This qualification assessed the knowledge and skills to enhance the career and promotion prospects of those aspiring to middle and senior management positions.
ER1 - Equity Release (CII)
This examination assesses a knowledge and understanding of the different types of equity release products, risks to the consumer associated with equity release and application of suitable equity release solutions according to the circumstances of different customers.
J05 - Pension Income Options (CII)
At the end of this unit, candidates should be able to demonstrate an understanding of the: process of decumulating pension funds and the main issues for clients and advisers; main choices facing members of pensions schemes during decumulation; features, risks and tax treatment of the secured pension option; features, risks and tax treatment of the unsecured pension option; features, risks and tax treatment of phased retirement; features, risks and tax treatment of the alternatively secured pension option.
J04 - Pension Funding Options (CII)
At the end of this unit, candidates should be able to demonstrate an understanding of the: main tax and legal frameworks that govern the accumulation phase of building up retirement benefits under registered pension schemes; features of defined contribution and defined benefit pensions; choices faced by early leavers and use of transfer value analysis; State retirement benefits available, including the risks and suitability of contracting out of the State Second Pension.
CF8 - Certificate in Long-Term Care Insurance (CII)
This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, long term care insurance products and the giving of long term care insurance advice.
J01 - Personal Tax (CII)
At the end of this unit, candidates should be able to demonstrate an understanding of: the basic structure of the tax system and self-assessment; the main taxes on income and capital that may be charged on individuals, the self-assessment system and how tax liabilities are computed; impact of residence and domicile on an individuals liability to UK tax.
Accreditations
What our clients say
Following a recommendation we became clients of Absolute Sense about 5 years ago. We have been entirely satisfied with the service and advice offered and the investment results achieved. With limited recourses we now have a structured financial plan that matches our retirement lifestyle objectives.
Their people are friendly, helpful and flexible. We wish we had the recommendation years sooner!
All the staff at Absolute Sense have been a great help during our re mortgage. Always available on the end of the phone or email. I cannot recommend the service they have provided us with highly enough. They have taken all the fuss and any headaches out of the process. Thanks to you all.
I have personally used Peter Waggitt’s financial services on a number of varying occassions and he and his colleagues have provided me with a first class service; in some cases introducing schemes that I was unaware of that have delivered great value.
Ten years ago sums of money became available for pension investment. Our need was an investment that produced a regular monthly income. Paul carried out a thorough review of our situation and particular future needs. Our needs and levels of risk were agreed and Paul arranged suitable investments. Results have been good providing us with safe and decent income during difficult financial times. An interim Review has successfully tweaked investments. We are pleased with our present situation which we feel largely results from Paul’s understanding of our needs and his sound advice.
I highly recommend the team at Absolute Sense Independent Financial Advisers. Their expertise in finding the best mortgages available for us was second to none and their proactive, can do attitude was a real pleasure to experience.
Where to find us
Chartered Financial Planners, Woolsack Barn, 24 Market Street, Ely, Cambridgeshire, CB7 4LS
Make an enquiryAbout us
Behind Absolute Sense IFA Ltd. is Peter Waggitt with nearly 40 years experience in the Financial Services Industry. The business has been established on the grounds of providing trustworthy INDEPENDENT financial advice and outstanding service using an honest and an open approach towards products and fees.
We are a highly qualified Chartered Firm and are also appointed representatives of the award winning Sense Network Limited which is authorised and regulated by the Financial Conduct Authority.
Specialties range from Investments, Pensions, Auto Enrolment and general financial support.
Our services
We offer trustworthy professional financial advice from cradle to grave including; Mortgages*Investments, Savings, Retirement Planning, Employee Benefit Schemes, Auto enrolment. *Your home may be repossessed if you do not keep up repayments on your mortgage.
Similar advisers near you
We are Independent, Chartered, advisers, specialising in pensions (including Final-Salary & Defined-Benefit) and retirement in Ely, Cambridge and surrounding areas.
We provide a tailored personal service and ensure you understand what you need to do, before you do it.
Helping you to achieve your personal, financial, and lifestyle goals in an easy to understand way.
We work hard for those who care about outcomes with a focus on long term relationships with our clients
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