This qualification assesses a knowledge and understanding of investment products and the application of the investment advice process.
To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.
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.
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.
This qualification assesses a knowledge and understanding of recent pension reforms and how the changes impact at-retirement advice.
This qualification accesses the specialist knowledge and skills needed for advising on the transfer of safeguarded benefits
Celestial Wealth has been looking after clients since 1996.
We are authorised to deal with many forms of financial service products and specialise in giving advice to clients on a wide range of financial matters to assist with both personal and business financial planning. We are not tied to one or a limited range of financial institutions and therefore have access to the whole “market” for “financial products”, as well as being able to recommend courses of action or inaction for your benefit which may not involve financial products.
We specialise in giving advice to clients on a wide range of financial matters to assist with personal financial planning.
We listen to your requirements and offer clear, impartial advice on the most appropriate financial products for your personal circumstances. Celestial Wealth look forward to meeting you and being of service to you.
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