This examination assesses a knowledge and understanding of the various pension products, the pension tax regime and retirement needs.
The Diploma enhances knowledge in core areas such as regulation, investment principles, risk, taxation and personal financial planning using real-life scenarios to develop the essential skills to apply this technical knowledge in practice
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 is for those individuals that wish to undertake additional qualifications above the benchmark requirement and covers investment strategies, taxation, trusts and later life planning.
This qualification assesses a knowledge and understanding of pension transfer options available and their implications, including income options, legislation and regulations impacting pension transfers, transitional issues as a result of different forms of protection, and the relationship between pension returns and options and investment and capital risk.
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.
My specialism is in retirement advice for those saving for retirement and those approaching retirement.
The earlier you start planning for your retirement the better, I have met with client in their 20s, 30s and 40s, who are beginning to think about what they need to save for their retirement or are questioning whether they are saving enough into their workplace scheme or private pension.
I have also met with clients who arein thier 50s and beyond, that are looking to find out about the options available for income or already have an income but worried if there pension income will be sustainable.
I can forward plan and illustrate what your future could be like and find out if your retirement will be how you expect it to be.
If you choose to call me. You will come straight through to my mobile.
Ask me about my reviews, charges and experience, I am happy to share my reviews with you from existing clients.
Please note - I have an office in Dundee and Perth but most people prefer for me to come to their home.
Creating retirement plans:
What I do -
1. Understand what options you have at retirement.
2. Help you take income from your pension.
3. Answer if you should combine existing pensions.
4. Explain how to save for retirement tax efficiently.
5. Understand if you are savingenough for retirement.
6. Illustrate if you will be able to maintain your lifestyle in retirement.
We do not advise on final salary schemes directly, however, we can arrange an introduction to one of the trusted pension transfer specialists on our panel.
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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.