This qualification assessed the knowledge and understanding of the UK regulation environment in the financial services industry together with types of mortgage products and repayment options and the giving of mortgage advice.
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 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.
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 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.
This examination assessed the knowledge and understanding of economic factors that affect risk from different investments, product features and regulatory framework of retail investments, taxation liabilities and portfolio planning.
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.
In addition to advising the clients of Moore Thompson (Chartered Accountants), we also work with other private clients, using our connections with a number of solicitors’ firms to advise on all matters.
We are entirely independent of financial product providers, which means that our advice is impartial, can be trusted and is completely confidential.
Our clients know to expect a first class service, and we always agree on a fee with a new or existing client before providing a service.
MT Financial Management is a professional firm of Chartered Financial Planners based in Spalding. We specialise in providing a select range of financial planning services to clients in Lincolnshire, Cambridgeshire, Norfolk, and across the UK.
All of our valued clients benefit from bespoke financial advice that is tailored to their specific needs and circumstances.
Our advisers have a broad range of expertise and provide guidance on:
• Financial planning for private clients and SME business owners
• Investment portfolio management
• Pensions and retirement planning
• Trust reviews
• Inheritance tax and estate planning
• Business planning
Monica House, St Augustines Road, Wisbech, PE13 3AD
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