AISA Retirement Planning
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.
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 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 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.
AISA are an award-winning firm with national and international coverage. Our Chartered Financial Planners and Independent Advisers follow an ethics-based culture wholly built around our clients, delivering bespoke financial advice and portfolio services.
Geordie Bulmer is based in the South West, has an Economics degree and over 20 years experience in Financial Services. He is an Independent UK regulated IFA and specialises in pensions, investments, inheritance tax planning & is a key AISA Investment Committee member.
We primarily offer tailored Investment and Pension planning but also offer specialist experience with Inheritance Tax planning and advising business owners when selling a company.
Advising clients in the following areas:
1 – Pension planning – reducing corporation tax and / or income tax liability through making Pension contributions.
2 – Investment planning – save your money and then withdraw an income tax efficiently, using the right combination of investment plans, such as ISA’s, Unit Trusts and Investment Bonds.
Diversify invested assets across a number of sectors, appropriate to your Attitude to Risk.
3 – Inheritance Tax planning – reduce exposure to tax on your families estate by receiving a specific assessment of your situation and advice on options you could consider. A large tax liability could be reduced through making gifts, Trust planning or investing in appropriate plans which qualify for tax relief.
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