This examination assesses the candidate to develop in depth financial planning skills related to personal and corporate pensions.
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 develops advanced technical knowledge and understanding across a broad range of key advisory areas.
Aspect8 is an multi award winning firm of Chartered Financial Planners. We blend cutting edge technology, holistic financial planning and discretionary fund management to deliver what we believe is the best absolute wealth management proposition in the UK.
Originally established in 1993 the company has grown and developed attracting some of the best financial planners from across the South East to become largest Independent firm in Sussex with a team of nearly 40 advisers spread across our offices in Horsham, Brighton and Maidstone.
As a Chartered Financial Planning firm, we have the expertise and qualification necessary to provide advice in all areas including more complex scenarios such as company pension analysis, offshore investments and tax planning.
We advise both personal and corporate clients on all aspects of their financial planning with a particular focus on pensions, investments and tax planning.
Our Wealth Management process considers how all your finances (pensions, savings and investments) overlap and interact with one another in order to formulate the most efficient strategy for your needs.
Whilst doing this we take time to understand our clients, so that we can advise which options are best for you and why. By taking this personal approach you will have confidence in the choices you are making for your financial future.
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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.