This examination assesses a knowledge and understanding of the Government’s simplified pension taxation regime which came into full effect on 6 April 2006 (A-Day). Eight tax regimes for pensions were reduced to one, radically affecting planning and transactions.
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.
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 enables professional advisers to develop specialist planning capabilities, covers topics like: personal tax and trust, business financial, pension and investment planning.
At Accudo Investments Ltd we offer a friendly, professional and personal service. We help people plan for retirement whether that be via Personal Pension Plans, making appropriate choices from the range of options available for Defined Benefit Final Salary Schemes (including transfers where suitable), ISA's or general investment portfolios and we pride ourselves on listening to your individual needs and objectives. We also help business owners and private individuals achieve higher returns on their cash via tax efficient and easily accessible investments.
Investment and Pension Advice
Authorised Final Salary Transfer Advice
Wealth Management (Advisory)
Business and Shareholder Protection
Friendly and competent service
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