This examination assesses a knowledge and understanding of the various pension products, the pension tax regime and retirement needs.
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.
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 UK regulation environment in the financial services industry, lifetime mortgage products, repayment options and the giving of mortgage advice.
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 legislative and regulatory position of home reversion plans and their place in the advice process.
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 examination assesses a knowledge and understanding of financial protection plans.
This examination assesses a knowledge and understanding of investment products and the risks involved.
At the end of this unit, candidates should be able to demonstrate an understanding of the: legal principles associated with the creation and management of a trust; main types of trusts that are common in the UK; taxation considerations relevant to trusts.
Optimum is a fully authorised and FCA regulated independently owned financial adviser firm, established in 1995. Since then the firm has grown via recommendation and reputation to be one of the largest and pre-eminent independent adviser firms in the Colchester and surrounding area, providing bespoke financial advice to both Private and Business clients.
Optimum’s business ethic is founded on treating customers fairly and building long term client relationships as a result. With advisers amongst the highest qualified in the industry, being supported by a dedicated and experienced administration team, the core ethic of the firm is encouraged by the Directors and shared by all members of the team.
Determined to not sit on our laurels or to take anything for granted we continually strive, without compromise, to provide an unrivalled client experience.
We are based in modern offices in St Peters Court, Colchester complete with state of the art industry technology and contemporary surroundings thereby giving us the perfect environment to expand and enhance the services we can offer to both existing and new clients.
Pension Planning & Retirement Options
Life Assurance & Protection Advice
Estate Planning & Specialist Tax Advice
Corporate Financial Planning
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