This examination assesses the candidate to develop in depth financial planning skills related to business.
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 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.
To achieve the Associateship grade, individuals would be required to have 6 AFPC (Diploma) units or equivalent. This shows a commitment to continuous professional development.
Having achieved the APFS designation, advisers can go onto to achieve this recognisable benchmark of quality and ethical practice for financial services professionals, elevating financial planning and advice in the public eye to the same standing as other Chartered professions. The holder must demonstrate a combination of experience, financial qualifications, ongoing educational activity (continuous professional development) and ethical behaviour.
This examination assesses the candidate to develop in depth financial planning skills related to personal and corporate pensions.
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 examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.
This examination assesses the candidate to develop in depth financial planning skills related to investments and the management of investment portfolios.
This examination assesses a knowledge and understanding of the different types of equity release products, risks to the consumer associated with equity release and application of suitable equity release solutions according to the circumstances of different customers.
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.
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.
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.
At the end of this unit, candidates should be able to demonstrate an understanding of: how the economic environment and individual company performance affects investment performance and investment decision making; how risk is measured and managed; the main principles governing how to construct an investment portfolio; the range of investment management services, how their performance is evaluated and their regulatory environment.
This qualification assesses a knowledge and understanding of the mortgage process and the principles of equity release.
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.
Like you, we are individual and independent.
Our expert team of chartered financial planners and network of support staff will work with you to create a bespoke financial plan, based on your needs and your needs alone.
We utilise the latest planning techniques & technology, helping you visualise different scenarios to establish the optimum way forward.
Our technical expertise allows us to advise on the most complex of situations, though we are equally adept at explaining financial matters in an easy to understand manner – allowing you to make informed choices.
With offices in London, Folkestone, Crawley & Battle we are well placed to assist clients throughout the South East; visiting you at your home or workplace, or meeting at one of our offices.
We work with primarily with three types of clients;
- People approaching or in retirement. Helping you plan your finances to produce a sustainable and tax-efficient income.
- Business owners. Helping you to plan your personal and company finances compliantly, leaving you free to focus on your business.
- Families. Helping you plan for your financial future, whether this be saving effectively, protecting your situation or passing on your wealth efficiently.
Lothbury Pendil Chartered Financial Planners provide bespoke financial solutions to meet your needs; whether that be planning & protecting your future, reviewing existing provisions, drawing benefits or investing tax efficiently.
We focus on producing a long-term financial plan, which is regularly reviewed as your situation changes. We always explain our charges at outset, and normally agree fixed initial fees so there's no unexpected surprises.
Along with planning for individuals we also assist company directors and their businesses; helping extract profits tax efficiently, advising on company pensions for 'auto-enrolment', self-invested pensions, employee benefit schemes as well as keyman and shareholder protection.
Lothbury Pendil Chartered Financial Planners is a trading style of Lothbury Pendil Financial Services Limited, an appointed representative of TenetConnect Limited; which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales, company number 07123731. Registered address: 8 Laurence Pountney Hill, London, EC4R 0BE.
Tax treatment is based on individual circumstances and may be subject to change in the future.
A pension is a long term investment. The fund value may fluctuate and can go down, your eventual income may depend on the size of the fund at retirement, future interest rates and tax legislation.
The value of investments and income from them can go down; you may not get back the original amount invested.
While unbiased.co.uk endeavours to verify the information
provided as thoroughly as possible,
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.