Heritage Wealth Advisory
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.
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 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 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 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 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 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.
Heritage are a firm of Financial Advisers based in the Midlands who aim to provide bespoke pension solutions. At Heritage we take pride in everything we do. We believe our client's comes first and we strive to improve their financial position and help with their understanding.
Our FCA permissions allow us to review final salary pension schemes which separates us from most advisory firms.
Our advice process is clear, precise and transparent. As a directly authorised firm we have a open relationship with the regulator and report to them every 6 months.
Our research is independent which is essential to offering a service that is fair and more importantly compliant.
From April 2015, individuals can now access their pension in a way that was not available to the mass. Unfortunately these pension reforms do not exist for those with final salary pension schemes.
Soaring transfer values for final salary pensions means the temptation has arguably never been greater - but it is not a decision to be taken lightly, and must be weighted carefully against the certainty of a regular income for life.
At Heritage we offer a comprehensive transfer value analysis so that you can make an informed decision.
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