To achieve the Fellowship grade, individuals would be required to have 10 AFPC (Diploma) units or equivalent. This shows a commitment to continuous professional development.
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.
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.
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 assesses an understanding of group risks, including the operations of such schemes and their features and taxation.
This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, lifetime mortgage products, repayment options and the giving of mortgage advice.
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.
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.
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.
This examination assesses a knowledge and understanding of investment products and the risks involved.
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: 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.
This qualification assesses a knowledge and understanding of recent pension reforms and how the changes impact at-retirement advice.
We are a Chartered Financial Planning firm with offices in both Chester and Warrington, specialising in:
- Investment planning
- Retirement planning, helping especially with decisions at retirement, pension splitting on divorce and pension consolidation/transfers.
- Inheritance planning
- Trustee and Corporate financial planning.
Most of our clients are either retired, approaching retirement or have accumulated wealth at a young age as a result of an inheritance, owning a business, injury compensation or property sale.
As a local, family-owned company, we build life-long relationships with our clients based on trust, integrity and fairness.
Our clients have told us they appreciate that we really listen to them, help them create a long-term strategy, do it in a language they understand and provide lasting value for money.
To help you with your search for an IFA, an adviser can be qualified to:
- Diploma level (basic minimum industry requirement)
- Chartered (equivalent to a university degree), held by around 20% of advisers
- Fellowship (highest industry qualification), held by only 5% of advisers in the UK.
It is important to note that a firm may be Chartered, but the individual adviser assigned to you may not be, so do ask the question!
Whether you are an individual, a small business owner or trustee, our expertise and guidance will help you build, manage and protect your wealth, creating peace of mind during the process.
We formally commit to meet up at least once a year. This ensures your strategy remains realistic, flexible and suitable. We will help you to protect and grow your wealth, leaving you to enjoy it.
For further details about us, our service and awards, visit our website at <url hidden> or contact us to arrange a free, no obligation, initial consultation at our Chester/Warrington offices, or at your home.
Watergate House, Chester, CH1 2LF
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