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 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.
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.
James Hair & Co. is a fully integrated accountancy and financial services practice. Established in 1980 the company currently employs 19 people. We have offices in Cupar and St Andrews in Fife however we deal with clients across the UK as well as in Europe and the United States. We are, and always have been, a fee based practice offering complete transparency to existing and potential clients.
Investment management , regardless of product wrapper, is at the heart of our offering. There are two key steps in our process - identification of the correct investment asset class followed by the selection of the appropriate investments within that class. Our philosophy is as follows -
- Focus on the medium to long term
- Place strong emphasis on capital protection
- Make simple, transparent and readily realisable investments
- Seek quality at all times with proven business models and sound balance sheets
- Identify themes and trends that will provide future growth
And this is our approach -
- Review global markets and developing economic trends on a monthly basis
- Evaluate Individual asset classes
- tailor investment selections based on individual risk profiles
We are Independent Financial Advisers
Investment management and personal financial planning is one of the core areas in which we specialise. Over the last 35 years we have developed a unique style and philosophy when is comes to the management of investment funds. By combining active and passive investment techniques our approach provides a means of coping with increasingly volatile market conditions. Whilst the product wrapper is relevant (ISA, Pension or General Investment Account) the asset allocation based on your objectives and appetite for risk is at the heart of our investment process. Our integrated tax services allows us to offer a complete service.
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it is your responsibility to ensure the adviser you choose is appropriate and regulated
for the business you are transacting.
Any decision to transact business is made by you on the basis of your own enquiries. To check that an adviser is regulated, you can contact the relevant regulatory or professional body.