Bespoke Financial Planning
This examination assesses a knowledge and understanding of the various pension products, the pension tax regime and retirement needs.
This qualification helps advisers develop and demonstrate their financial planning capabilities.
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 assesses the candidate to develop in depth financial planning skills related to personal and corporate pensions.
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 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 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 financial protection plans.
This examination assesses a knowledge and understanding of investment products and the risks involved.
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: how the economic environment and individual company performance affects investment performance and investment decision making; how risk is measured and managed; the main principles governing how to construct an investment portfolio; the range of investment management services, how their performance is evaluated and their regulatory environment.
This qualification develops advanced technical knowledge and understanding across a broad range of key advisory areas.
This qualification enables professional advisers to develop specialist planning capabilities, covers topics like: personal tax and trust, business financial, pension and investment planning.
The company was born out of Louise Pepper’s frustrations with the ‘conveyor belt’ approach practised across the industry. 7 years’ experience in the corporate world convinced her the only way she would be able to deliver the levels of service she felt clients deserved was to rip up the traditional rule book and create her own model. “Bespoke Financial Planning” sums up exactly what Louise wanted to achieve for her clients: independent, individual, tailored advice. She knew she had got it right when clients from her previous employment began to track her down: her commitment to personalised financial planning struck a chord with individuals dissatisfied with the ‘one size fits all’ approach of other firms. We are proud to be Chartered Financial Planners, a qualification held by only 10% of advisers in the UK; to retain Chartered status, we must continually update our knowledge and adhere to a strict code of ethics. In addition, we hold the advanced Pension Transfer Specialist qualification (AF3), enabling us to provide advice on the suitability of all Occupational and Final Salary Pension transfers. Please visit our website for more details, videos and information about our services.
We are proud to be redefining financial planning! We believe the traditional business model for financial advisers is outdated in today’s increasingly complex financial landscape. We specialise in supporting high net worth individuals who are seeking a dedicated, bespoke, responsive planning service. Our clients’ financial affairs are typically more complicated and require extra time and due diligence. We are experienced in helping our clients navigate the complexities of their pension provision, particularly those whose pension funds are close to the Lifetime Allowance. We will take the time to understand your personal financial position carefully and talk you through your options.
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