Absolute Sense Independent Financial Advisers Ltd Chartered Financial Planners

Independent Financial Adviser  Chartered Financial Planners, Ely, Cambridgeshire, CB7 4LS
First meeting at adviser's own cost
Trustworthy firm of Chartered Financial Planners - we are proud that we have 4 Chartered Financial planners working in our business. We cover financial advice in the following: AUTO ENROLMENT, WEALTH MANAGEMENT, SAVINGS, PENSIONS, EMPLOYEE BENEFIT SCHEMES, MORTGAGES, INSURANCE, GENERAL FINANCIAL ADVICE AND MONEY MATTERS.
We can advise you on
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Buy my next home
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Buy to let
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Buying commercial property
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Buying first home
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Equity release
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High loan to value
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Mortgage protection
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Next home / Remortgaging
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Self-employed mortgages
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ISA / Unit Trusts / OEICs
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OEICs
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Commercial mortgages
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Group Pension/Stakeholder
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Group Protection/Life Insurance
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Stockbroking services
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Long term care
Response rating
9.0/10
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FCA authorised
Last authorised 28th September 2020
Meet our advisers
Russell Hall FPFS
Chartered Financial Planner
Maria Spencer
Chartered Financial Planner

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
Chartered Financial Planner
Paul Waggitt BSc (Hons) FPFS
Chartered Financial Planner, Director

This examination assesses the candidate to develop in depth financial planning skills related to business.

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.

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.

This examination assesses the candidate to develop in depth financial planning skills related to personal and corporate pensions.

This examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.

This examination assesses the candidate to develop in depth financial planning skills related to investments and the management of investment portfolios.

This examination assesses the candidate to develop in depth financial planning skills related to personal tax and trusts.

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.

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.

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.

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.

This examination assesses a knowledge and understanding of investment products and the risks involved.

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.

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.

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
Chartered Financial Planner
Peter J Waggitt BSc (Hons) A.P.F.S. Chartered Financial Planner
Chartered Financial Planner Director

This examination assesses the candidate to develop in depth financial planning skills related to personal and corporate pensions.

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.

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

This examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.

This qualification assessed the knowledge and skills to enhance the career and promotion prospects of those aspiring to middle and senior management positions.

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.

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.

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.

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.

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
Chartered Financial Planner
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!
John and Pat Attwood, Cambridge
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.
Jeff and Justine Whitlam, Cambridgeshire
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.
Steve Neeves, Cambridge
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.
Chris and P R, Cambridgeshire
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.
Mr R, Cambridgeshire
About us

Behind Absolute Sense IFA Ltd is Peter Waggitt with nearly 40 years experience in the Financial Services Industry. We now have 4 Chartered Financial Planners working within the business. 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 authorised and regulated by the Financial Conduct Authority.
Specialities range from Investments, Pensions, Mortgages, Auto Enrolment and general financial advice.

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.

Where to find us
Head office address: Chartered Financial Planners, Woolsack Barn 24 Market Street, 24 Market Street, Ely, Cambridgeshire, CB7 4LS
Preferred clients
Minimum wealth (income/assets)
£100,000
Minimum pension value
£100,000
Minimum mortgage value
£0
Advice methods
  • phoneButton
    Telephone
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    Online (Live chat, video, email)
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    Face to face
Compliance

Your home may be repossessed if you do not keep up repayments on your mortgage.

Response rating
9.0/10
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FCA authorised
Last authorised 28th September 2020

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