Independent Benefit Consultancy

Independent Financial Adviser  IBC Independent Financial Advisers, Glasgow, City of glasgow, G1 1DA
First meeting at adviser's own cost
IBC Wealth provides an initial consultation at our expense and will design our advice around your goals, needs and objectives.
We can advise you on
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Annuity purchase
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Auto enrolment
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Pension consolidation
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Pension drawdown
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Pensions & divorce
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Pensions & retirement planning
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Pensions review
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Pensions transfer
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SIPPs
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Stakeholder
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Wealth management
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Ethical investments
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ISA / Unit Trusts / OEICs
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Investing for income
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Investment trusts
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OEICs
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Offshore investments
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Socially responsible investments
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Unit trusts
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Lump sum
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National savings
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Regular savings
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Savings for children
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Critical illness
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Income protection insurance
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Large business
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Life insurance
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Small business
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Capital gains tax
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Estate planning
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Income tax
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Taxation planning
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Corporate pension
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Employee benefits
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Group ISA
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Group Pension/Stakeholder
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Group Protection/Life Insurance
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Group critical illness
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Group income protection
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Group life insurance
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Group private medical insurance
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Group risk
Response rating
7.0/10
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FCA authorised
Last authorised 10th August 2020
Meet our advisers
Ken Simpson BA DipPFS
Managing Director

This examination assessed a knowledge and understanding of the UK tax system, the law and practice of trusts, but also an ability to advise individual clients on the tax treatment of their investments and the use of trusts to meet their current and foreseeable future needs.

This examination enhanced general pension knowledge, particularly in pension transfers and opt-out business.

At the end of this unit, candidates should be able to demonstrate an understanding of: the supervisors role in a regulated organisation; recruitment, training, attaining competence, maintaining competence and supervising competence; management information and performance standards; Financial Services Authority rules and guidelines in respect of competence and supervision; the legal and regulatory aspects of employment and supervision.

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

This examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.

This examination assessed knowledge and understanding of income generating options and applying the knowledge to retirement planning situations.

This examination assessed knowledge and understanding of the range of investments available for planning of pensions and to be able to apply the construction of a pension portfolio management for a client.

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.

Alistair Scott
Senior Consultant

This examination assesses a knowledge and understanding of the various pension products, the pension tax regime and retirement needs.

This examination assessed a knowledge and understanding of the UK tax system, the law and practice of trusts, but also an ability to advise individual clients on the tax treatment of their investments and the use of trusts to meet their current and foreseeable future needs.

This examination enhanced general pension knowledge, particularly in pension transfers and opt-out business.

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

This examination assessed a knowledge and understanding of investments and an ability to advise individual clients on the construction of investment portfolios to meet both their current and foreseeable future needs.

This examination assessed knowledge and understanding of income generating options and applying the knowledge to retirement planning situations.

This examination assesses a knowledge and understanding of financial protection plans.

Derek Allan
Chartered Financial Adviser

This examination enhanced general pension knowledge, particularly in pension transfers and opt-out business.

Accreditations
Chartered Financial Planner
Julie Mitchell
Senior Financial Adviser

This examination enhanced general pension knowledge, particularly in pension transfers and opt-out business.

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

This qualification accesses the specialist knowledge and skills needed for advising on the transfer of safeguarded benefits

Craig Thomas
Financial Advicer

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

This qualification accesses the specialist knowledge and skills needed for advising on the transfer of safeguarded benefits

What our clients say
I have used Independent Benefit Consultancy for several of my clients as I do not hold the permission to advise on Pension Transfers. I found the service to be excellent and the attention to detail and service excellent. I am very cautious when it comes to placing other Advisers in front of my clients as I work and live in a very close community. Having used other firms in the past I can say that IBC have been by far the best and I would have no hesitation in recommending them to anyone.
Roy Gill - Gill Financial Serivces, Montrose
About us

IBC are Independent Financial Advisers specialising in solutions to your Wealth Management, Pension and Retirement Planning, protection and holistic financial advice needs.

We are Pension Transfer Golden Gold Standard accredited.

Our solutions consider your goals and, objectives in the building and servicing of your wealth, health and wellbeing plans and solutions.

Based in the centre of Glasgow, we have clients through out the UK and are proud to deal with families of all generations.

Most of our clients come to us through client recommendation.

IBC work with a number of professional introducers to ensure that our solutions are designed to best fit your full requirements.

Our services

Wealth management: Inheritance tax planning advice: Specialist Occupational Pension transfer advice; @retirement planning, pre-retirement reviews and goal setting; cash flow modeling: pension consolidation; holistic financial planning; individual and corporate protection advice

Where to find us
Head office address: IBC Independent Financial Advisers, Ingram House, 227 Ingram Street, Glasgow, G1 1DA
Preferred clients
Minimum wealth (income/assets)
£100,000
Minimum pension value
£100,000
Minimum mortgage value
£0
Advice methods
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    Face to face
Response rating
7.0/10
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FCA authorised
Last authorised 10th August 2020

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