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.
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 enhanced general pension knowledge, particularly in pension transfers and opt-out business.
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 examination assesses a knowledge and understanding of the different types of equity release products, risks to the consumer associated with equity release and application of suitable equity release solutions according to the circumstances of different customers.
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.
This examination demonstrated that the individual has a knowledge and understanding of all financial planning aspects of running a business and an ability to advise clients appropriately.
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.
This qualification accesses the specialist knowledge and skills needed for advising on the transfer of safeguarded benefits
This qualification assesses a knowledge and understanding of the UK Financial services, regulation and ethics, investment principles and risk, personal taxation, pensions and retirement planning, financial protection and financial planning practice.
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.
Ginkgo Financial is a friendly, professional practice based in Blackheath, SE London. We believe in:
Our clients benefit from the collective experience of a team of advisers led by Daren Wallbank, a Chartered Financial Planner and Fellow of the Chartered Institute of Insurers (CII).
We’re a restricted advice firm: we work with a carefully curated panel of providers, forging strong relationships and developing extensive knowledge about their products. Many of these providers offer more competitive margins than open market rates, saving you money.
PROTECTION FROM RISK
We’re part of the Quilter Financial Planning network, one of the leading providers of advice, investments and wealth management in the UK and internationally. For the last two years, Quilter Financial Planning has been voted No1 financial adviser company by FT Adviser.
We’re a family business at heart. We know all our clients by name and work hard to deliver the level of hands-on personal service you expect from a smaller, local business.
We value people as much as profit and we’re doing our best to have a positive impact on our employees, our community and the planet.
Just as there’s no such thing as an average client, there’s no one-size-fits-all financial plan. We’ll work with you to agree an approach that matches your unique personal and business situation, including:
WEALTH – tax-efficient investing to support your financial goals at every stage of your life.
PROTECTION – providing a buffer from life’s twists and turns by making sure your family and business are protected if you were to lose your job, fall ill or even die.
SUCCESSION – exploring ways of passing more of your wealth onto your loved ones tax-efficiently, including by creating trusts.
RETIREMENT – planning for your retirement goals, including consolidating pensions, exploring pension freedoms or planning how you would cover the costs of long-term care.
MORTGAGE ADVICE – buying property, remortgaging, sourcing buy-to-let, commercial and other specialist mortgages, and releasing equity from your property in later life.
Transferring out of a Final Salary scheme is unlikely to be in the best interests of most people.
Equity Release will reduce the value of your estate and can affect your eligibility for means tested benefits.
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provided as thoroughly as possible,
it is your responsibility to ensure the adviser you choose is appropriate and regulated
for the business you are transacting.
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.