Investment Sense
20th May 2019
Pension specialists; from SIPPs to Final Salary pensions and advice when you reach retirement, we're independent and on your side.
We can advise you on
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Investments
- Ethical investments
- Investing for income
- Investment trusts
- ISAs
- OEICs
- Offshore investments
- Socially responsible investments
- Traded endowment policies
- Unit trusts
-
Insurance & protection
- Critical illness
- Income protection insurance
- Life insurance
-
Business
- Commercial mortgages
- Corporate pension
- Group critical illness
- Group income protection
- Group life insurance
- Group pensions
- Group protection
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Pensions & retirement
- Annuity purchase
- Pension consolidation
- Pension drawdown
- Pensions & divorce
- Pensions & retirement planning
- Pensions review
- Pensions transfer
- Sipps
- Stakeholder
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Savings
- Lump sum
- National savings
- Regular savings
- Savings for children
- School fees planning
-
Tax & trust planning
- Capital gains tax
- Estate planning
- Income tax
- Taxation planning
-
Financial planning
- Wealth management
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Long term care
- Long term care
Meet our advisers
Sarah Bray BSc(hons), Dip PFS
Independent Financial Adviser
Qualifications & Accreditations
AF7 - Pensions transfers (CII)
This qualification accesses the specialist knowledge and skills needed for advising on the transfer of safeguarded benefits
Dip PFS - Personal Finance Society Diploma (PFS)
To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.
K20 - Pensions Investment Options (CII)
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.
K10 - Retirement Options (CII)
This examination assessed knowledge and understanding of income generating options and applying the knowledge to retirement planning situations.
J05 - Pension Income Options (CII)
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.
J04 - Pension Funding Options (CII)
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.
G60 - Pensions (CII)
This examination enhanced general pension knowledge, particularly in pension transfers and opt-out business.
CF9 - Pensions Simplification (CII)
This examination assesses a knowledge and understanding of the Government’s simplified pension taxation regime which came into full effect on 6 April 2006 (A-Day). Eight tax regimes for pensions were reduced to one, radically affecting planning and transactions.
CF2 - Investment and Risk (CII)
This examination assesses a knowledge and understanding of investment products and the risks involved.
Bev Stoves BA(Hons) Economics, Dip PFS
Independent Financial Adviser
Qualifications & Accreditations
AFPC - Advanced Financial Planning Certificate (CII)
In order to have completed this qualification, individuals were required to obtain three units. These could have been selected from any combination of the available units at that time but must have included the compulsory G10 unit - Taxation and Trusts.
CF8 - Certificate in Long-Term Care Insurance (CII)
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.
CF9 - Pensions Simplification (CII)
This examination assesses a knowledge and understanding of the Government’s simplified pension taxation regime which came into full effect on 6 April 2006 (A-Day). Eight tax regimes for pensions were reduced to one, radically affecting planning and transactions.
G10 - Taxation and Trusts (CII)
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.
G20 - Personal Investment Planning (CII)
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.
G60 - Pensions (CII)
This examination enhanced general pension knowledge, particularly in pension transfers and opt-out business.
K10 - Retirement Options (CII)
This examination assessed knowledge and understanding of income generating options and applying the knowledge to retirement planning situations.
K20 - Pensions Investment Options (CII)
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.
R01 - Financial Services, Regulation and Ethics (CII)
This qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.
R02 - Investment Principles (CII)
This qualification assesses a knowledge and understanding of investment products and the application of the investment advice process.
Dip PFS - Personal Finance Society Diploma (PFS)
To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.
What our clients say
“A potentially worrying situation made easy, painless and satisfactory. Many, many thanks to Bev.”
“I would like to thank Sarah for all of the work put into sorting and resolving my pension investments, which at times was not a simple procedure. From our very first meeting Sarah’s expertise was evident in her advice and knowledge of the Pensions market. Her well qualified and simply laid out options certainly helped to guide me through a potential minefield of pension plans to a successful resolution. Sarah has been a fantastic adviser and would recommend to anyone seeking sound and independent pensions advice.”
“It was good to get such better treatment after bad experience with previous adviser. My history and needs are quite complex so it was good to be treated so sensitively.”
“A unique service which actually understood my needs for simplicity, clarity and a cash based solution. There are a lot of advisers out there but they focus on ticks and shares, not something that suited me. Investment Sense had the flexibility to meet my needs by using simple deposit accounts.”
Where to find us
Investment Sense Ltd, 20 Fletcher Gate, Nottinghamshire, Nottingham, NG1 2FZ
Make an enquiryAbout us
Proudly based in Nottingham, our team of advisers have a wide range of backgrounds, experience, and skills; ensuring we can match your needs and the right adviser.
We work with three types of people:
1. Those who are close to retirement or who have already finished working. Helping them plan their finances effectively to ensure a financially comfortable and stress-free retirement
2. Business owners. Helping them to plan their finances leaving them free to do what they do best, build a successful business
3. Families. Helping you plan for your children's financial future, whilst ensuring you can still achieve your own financial goals
Our services
We'll let our clients answer this one:
“Your adviser made what I thought would be a complicated and drawn out process easy and quick. I would recommend your company to others.”
“Really efficient, informative, patient and friendly; really impressed.”
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