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 UK taxation system, and the ability to analyse the taxation treatment of individuals and trusts during the investment advice process.
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 qualification helps advisers develop and demonstrate their financial planning capabilities.
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 qualification assesses a knowledge and understanding of an ability to analyse pension and retirement planning issues.
This examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.
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.
This qualification assesses a knowledge and understanding of recent pension reforms and how the changes impact at-retirement advice.
This qualification assesses a knowledge and understanding of the mortgage process and the principles of equity release.
This qualification accesses the specialist knowledge and skills needed for advising on the transfer of safeguarded benefits
/stɛm/ : providing an axis to flourish
We provide independent financial advice to:
- Online influencers & music artists
- Successful business owners
- People who aspire to retire
- People who want to retire now
Stem Financial Ltd was founded by Director and Financial Planner, Ben Baldwin. We are based in Gloucester, Gloucestershire, typically working with people who live in Gloucestershire, Buckinghamshire or London.
First and foremost, we are financial planners. That means we start by taking time to understand the aspirations you have for your life and family over the short, medium and long-term. We’ll then put a plan in place, organising your finances in a way that will help you best achieve your goals.
We pride ourselves on providing financial planning that is personal and jargon-free, helping to propel you towards the life you always envisioned.
Initial meetings, when we start getting to know each other to decide whether we are the right adviser for you, are always held without cost or obligation.
•listen to you
•present our advice in an easy to understand manner
•be transparent in our dealings
•fully document what we have done and why
•enable you to fully access ALL your financial information from any where
•ensure you are financially organised and your situation is clear
•see your objectives through by providing continuance of advice with the same team
•maximise your investment returns
•minimise your tax liabilities
•balance and manage your financial risks
•ensure you and your family are financially protected
•provide fully independent mortgage advice
•seek to do what others do not
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.