Aspect8

Restricted - Whole of Market  The Annexe, Easebourne, West Sussex, GU29 9AD
First meeting at adviser's own cost
I take time to understand your financial position thoroughly, I establish your objectives and show you how to achieve them.
We can advise you on
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Annuity purchase
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Pension consolidation
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Pension drawdown
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Pensions & divorce
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Pensions & retirement planning
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Pensions review
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Pensions transfer
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SIPPs
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Stakeholder
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Wealth management
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Ethical investments
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ISA / Unit Trusts / OEICs
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Investing for income
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Investment trusts
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OEICs
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Socially responsible investments
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Traded endowment policies
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Unit trusts
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Lump sum
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National savings
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Regular savings
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Savings for children
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Critical illness
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Income protection insurance
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Life insurance
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Estate planning
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Income tax
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Taxation planning
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Long term care
Response rating
9.0/10
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FCA authorised
Last authorised 16th November 2020
Meet our advisers
Bernardo Hunte ACII, APFS
Chartered Financial Planner

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.

In order to have completed this qualification, individuals were required to obtain three units. These could have been selected from any combination of the available units at that time but must have included the compulsory G10 unit - Taxation and Trusts.

To achieve the Associateship grade, individuals would be required to have 6 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 assessed a knowledge and understanding of the UK tax system, the law and practice of trusts, but also an ability to advise individual clients on the tax treatment of their investments and the use of trusts to meet their current and foreseeable future needs.

This examination enhanced general pension knowledge, particularly in pension transfers and opt-out business.

Associate members are those who have gone on to secure more advanced qualifications by completing the Advanced Diploma in Insurance or its predecessor the Associateship. This shows a commitment to continuous professional development.

This examination assessed a knowledge and understanding of investments and an ability to advise individual clients on the construction of investment portfolios to meet both their current and foreseeable future needs.

This examination assessed the knowledge and understanding of economic factors that affect risk from different investments, product features and regulatory framework of retail investments, taxation liabilities and portfolio planning.

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.

Associate members are those who have gone on to secure more advanced qualifications by completing the Advanced Diploma in Insurance or its predecessor the Associateship. As part of the Retail Distribution Review which comes into effect in 2013 they will have also been required to demonstrate their knowledge is up to date, this process is known as Gap Fill. On satisfaction of the gap fill requirements they will have obtained a Statement of Professional Standing from an FSA Accredited Body.

Accreditations
Chartered Financial Planner
What our clients say
It is with great pleasure that we offer a testimonial for Bernardo Hunte of Aspect8. We have used his services for a few years, undertaking to sort and explain our very complicated portfolios. The various investment funds had been taken out over the previous thirty years and we really didn't have a clue as to which were working well for our changing requirements and which to disband with. Bernardo gathered as much paper work as we could muster, as you appreciate quite a substantial amount. After a few phone calls to confirm several questions asked, Bernardo made an initial appointment to help us understand our situation. After the completion of a few meetings we were left in no doubt as to the best way forward. Every aspect of our portfolios were explained in full, in an uncomplicated manner, ensuring we understood each phase before the next one was moved onto. Bernardo's pleasant disposition, understanding of his trade and the changes in law and the options open to us were made easy to discuss as at no time did we feel forced to make a decision there and then. Every question was answered in 'plain' English with explained use of any jargon used. We would thoroughly recommend Bernardo for his financial wisdom and advice offered to which ever level you care to take. Finally, the added advantage is not only is Bernardo an associate of a great award winning company but he has the back up of a truly amazing personal assistant, Suzanne.
B.&A. C, Hampshire
As I was nearing retirement I was advised by my pension company that I needed independent advice and agreement to move a defined benefits pension to a Self-Invested Personal Pension (SIPP) through another provider. As this was a specialist area of pensions with some advisors not qualified to provide this advice and agreement, I selected Bernardo Hunte after contacting a number of advisors to understand their methodology and charges. Bernardo understood this complex area and he explained clearly the various options available, including taking specialist advice on the tax implications of the Lifetime Allowance on the various pension options. He liaised with the existing pension provider to gain clarity on the transfer value of the pension, which included a guaranteed minimum pension, when the existing provider was not being clear or helpful. I would recommend Bernardo to others where there is a need to obtain advice on complex pension situations.
G.W., Hampshire
My husband and I have known Bernardo Hunte since 1989. Over the years Bernardo has assisted us across a wide range of financial planning areas too numerous to mention. Recently my husband’s health has deteriorated and he has now entered a local residential care home. Bernardo undertook the challenge of structuring my husband’s finances so that his security of residency at the care home is rock solid whilst allowing me to remain living in the marital home. He has also ensured that our respective Wills are now updated to reflect our current position. I feel I can face the future with total confidence. I have enjoyed dealing with Bernardo because I have found him totally trustworthy and caring and not only is he highly qualified and has a considerable knowledge of financial matters he has the ability to translate financial jargon into simple language. I have no hesitation in recommending his services.
A.A.B., Hampshire
I was widowed at a young age and had to re-organise my finances completely. At this difficult time in my life, financial security was of great importance. I interviewed several financial advisors. Bernardo was the one I chose, not only because he worked independently but he spoke with clarity and asked first that I should identify for him what was most important to me. I had been used to making financial decisions but being entirely alone with them was a different matter. As we talked, I felt that he listened to me and dealt with my worries. I understood his explanations and felt confident we would work through my situation together. I have always found him a reassuring voice and have recommended him to many friends.
H.B., West Sussex
I was first introduced to Bernardo Hunte shortly before I took early retirement in June 2006. At that time I had very little idea about managing the various pension funds I have to maximise the benefit for my wife and myself. Bernardo explained the various options to me so that I could more easily decide what was best for us. Since June 2006 we have had regular meetings to discuss the performance of my fund, new legislation and the tax implications. Bernardo’s help and advice have been invaluable and his straightforward down to earth approach has helped me enormously. The greatest compliment I can pay to him is to recommend him to others which I have been happy to do on more than one occasion.
S.N., Essex
About us

Why come to Bernardo at Aspect8? Whether you are worried about funding care for a relative, getting the best use from your pension fund or investing for the future I have more than 30 years experience giving me the knowledge and expertise to put forward solutions with clarity. Offering impartial, holistic financial advice means that the financial planning offered is never about selling you a product.

Our services

An award winning network - Aspect8 offers you industry leading systems which give an unprecedented level of service. But that's not all - honesty and transparency coupled with a bespoke service to meet you needs is at the forefront of our proposition. We listen, we empathise, we explain, we offer solutions and we review these so that you keep on track

Where to find us
Head office address: The Annexe, Polo Cottage, Hollist Lane, Easebourne, West Sussex, GU29 9AD
Preferred clients
Minimum wealth (income/assets)
£100,000
Minimum pension value
£100,000
Minimum mortgage value
£0
Advice methods
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    Online (Live chat, video, email)
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    Face to face
Response rating
9.0/10
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FCA authorised
Last authorised 16th November 2020

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