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 qualification assesses a knowledge and understanding of the UK taxation system, and the ability to analyse the taxation treatment of individuals and trusts during the investment advice process.
This qualification helps advisers develop and demonstrate their financial planning capabilities.
This examination assesses the candidate to develop in depth financial planning skills related to personal and corporate pensions.
This qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.
This examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.
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.
This examination assesses a knowledge and understanding of financial protection plans.
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 analyse and apply financial information and portfolio management skills
This qualification assesses a knowledge and understanding of recent pension reforms and how the changes impact at-retirement advice.
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.
I have been helping my clients achieve their financial goals and fulfil their aspirations for over 26 years. I began my career in financial services in 1994 and decided the time was right for me to start my own business in 2009.
I have provided advice to clients all over the country and I have a structure in place that ensures your location is never a barrier to business. I am able to utilise an 'at distant' proposition by embracing Zoom, Go To and Teams meetings which is the safest and most convenient way to conduct our business discussions and, of course, the most environmentally friendly. However, by using this method, I am able to pass on savings to you and reduce my charges accordingly.
My philosophy is not to blind you with complexities, but use jargon-free, easy-to-understand language which enables you to make informed decisions about your existing and future planning needs.
I am well versed in all aspects of financial services from pre and post retirement specialisms, through to inheritance mitigation, trust planning and investment expertise, ensuring sound and helpful advice that puts you in control and at the heart of everything I do.
This is the start of our journey together. I am going to help you prepare your plan to meet your financial objectives and achieve your aspirations. You will be in safe and trusted hands, ensuring that you and your family's assets are protected.
Harmony Wealth Management Ltd is Authorised and Regulated by the Financial Conduct Authority.
Harmony Wealth Management Ltd is entered on the Financial Services Register (<url hidden>) under reference 713818.
Harmony Wealth Management Limited is Incorporated and registered in England & Wales under Registration Number: 7006728
Registered Office: Penmore House, Hasland Road, chesterfield, Derbyshire, S41 0SJ
We use meeting facilities around the UK, however the above address is our only registered address.
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