This qualification assesses a knowledge and understanding of investment products and the application of the investment advice process.
This qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.
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 in depth financial planning skills related to personal tax and trusts.
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.
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.
This qualification develops advanced technical knowledge and understanding across a broad range of key advisory areas.
We help clients who:
Want quality financial advice.
Need help building a sustainable income plan in retirement.
Need help with pension drawdown options or annuities.
Are just about to retire or recently retired.
Want help understanding how much income they can take from pension funds.
Want advice on investment options.
Want help investing new funds
Are concerned about 'frozen' or 'paid up' pensions and want to have better control of them.
Need to use their investments or savings to create income.
Have existing Investments & Pensions they are unsure about.
Worried about funding Care Costs now or in the future
Whatever you are trying to do, you will have to make decisions about your finances. We help show the impact each decision has on your wealth and the value of your savings from year to year for the rest of your life.
Seeing the effect each decision has on your wealth in advance helps you ‘rule in or out’ the action you eventually take.
We take account of tax, inflation, your future spending plans, your income needs, low interest rates, uncertain investment returns, your individual requirements, your financial position and all the rules and regulations.
We know how much our services cost and believe that before you pick up the phone, you should know too.
That's why we publish all costs on our website.
We’re not sure why professional services such as financial advisers, solicitors and accountants choose not to give an indication of costs on their websites. We’ve yet to meet any who work for free.
Only you can speculate why other advisers wait until you ask them, or until they get the chance to meet you face to face to disclose costs.
17 Albany Drive, Lanark, Lanarkshire, ML11 9AG
While unbiased.co.uk endeavours to verify the information
provided as thoroughly as possible,
it is your responsibility to ensure the adviser you choose is appropriate and regulated
for the business you are transacting.
Any decision to transact business is made by you on the basis of your own enquiries. To check that an adviser is regulated, you can contact the relevant regulatory or professional body.