This examination assesses the candidate to develop in depth financial planning skills related to business.
This examination assesses a knowledge and understanding of the various pension products, the pension tax regime and retirement needs.
This qualification assessed the knowledge and understanding of the UK regulation environment in the financial services industry together with types of mortgage products and repayment options and the giving of mortgage advice.
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.
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.
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 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.
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 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 examination assesses a knowledge and understanding of the legislative and regulatory position of home reversion plans and their place in the advice process.
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 financial protection plans.
This examination assesses a knowledge and understanding of investment products and the risks involved.
This qualification assesses a knowledge and understanding of investment products and the application of the investment advice process.
This qualification assesses a knowledge and understanding of an ability to analyse financial protection planning issues.
This examination assesses a knowledge and understanding of the various pension products, the pension tax regime and retirement needs.
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 qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.
To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.
This qualification assesses a knowledge and understanding of an ability to analyse pension and retirement planning issues.
This examination assesses a knowledge and understanding of financial protection plans.
This exam accesses understanding of the financial services industry including regulation and legislation.
This exam accesses understanding of the financial services industry, and its regulation, products and processes.
This exam accesses understanding of the financial services and their regulation.
This exam accesses understanding of protection, savings and investment products.
This exam accesses understanding of identifying and satisfying client needs.
We are whole-of market (i.e. fully independent) Financial Advisers based in Southend at the to the Gateway Building, which sits just back from the High Street and very close to Southend Central Station. Telephone: <phone number hidden>
Our senior adviser Tony Devine is a Chartered Financial Planner and is also a Chartered Accountant, a STEP affiliate member and holds the pension transfer specialist licence. UPDATE: we now only assist on Defined Benefit transfers via a trusted partner adviser firm.
We advise on all forms of investment and pensions / retirement planning, incorporating tax savings advice wherever possible. We also advise on Estate Planning and IHT mitigation.
We also advise on traditional areas such as life insurance, critical illness and other protection products, in particular for contractors and small business owners where again, tax advantages can be found.
For businesses, we advise on group schemes including group pensions, private medical (PMI), group life and so on.
We are ideally placed for South Essex residents including Leigh-on-Sea, Chalkwell, Westcliff, Thorpe Bay, principally SS1, SS0 and SS2 plus most Essex CM postcodes - as well as London SW1, London SW3 and London SW8. You can also find us at 42 Grosvenor Gardens, Victoria, London SW1W 0EB.
Mortgage advice available in London office, min. mortgage value £250,000.
"It doesn't need to be complicated!"
Both Tony Devine and Andrew Nicolson are skilled at identifying the client's needs and clarifying their objectives. They both enjoy investment work (including pensions and SIPPs) and spend much of their time managing their clients' money. We have good tax knowledge which aids sensible tax planning, obtaining even better results.
DFM offers a defined benefit pension transfer service acting as introducer to a trusted adviser. With corporate clients we can distinguish the opportunities for owners and their planning needs through the company or as individuals.
Please see our testimonials page on the website.
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