An internationally recognised financial planning credential. The holder must demonstrate a combination of experience, financial qualifications (usually AFPC/DipPFS) or equivalent, an IFP assessment, ongoing educational activity (continuous professional development) and ethical behaviour.
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.
To achieve the Fellowship grade, individuals would be required to have 10 AFPC (Diploma) units or equivalent. This shows a commitment to continuous professional development.
In order to have completed this qualification, individuals were required to obtain three units. These could have been selected from any combination of the available units at that time but must have included the compulsory G10 unit - Taxation and Trusts.
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.
Associate members are those who have gone on to secure more advanced qualifications by completing the Advanced Diploma in Insurance or its predecessor the Associateship. This shows a commitment to continuous professional development.
This qualification assessed a knowledge and understanding of portfolio investment management.
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 knowledge and understanding to analyse and evaluate a client’s circumstances and financial needs and produce a holistic financial solution based on an in-depth knowledge of financial services products.
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.
This examination demonstrated that the individual has a knowledge and understanding of all financial planning aspects of running a business and an ability to advise clients appropriately.
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 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.
At Panoramic Wealth Management, as a family run business ourselves, we understand what it is that want for you and your family. We also empathise that we are all on individual financial journeys and are often living busy, ever changing lives.
With this in mind, we dedicate ourselves to understand you as an individual along with your financial and lifestyle objectives. Together, we can plan towards the future and help you live the life that you aspire to and it is that having that enjoyment in life that we see as our main mantra. Not only can we instil confidence to invest but also a confidence to spend.
We understand that everyone is on individual financial journeys and we’re all living in our own unique and changing personal landscapes. This is why there is not a one-size-fits-all approach and instead opt for a bespoke offering too all our clients.
Panoramic Wealth Management is a Financial Planning Firm that focuses on lifestyle planning. This involves providing advice to both corporate and private clients as to where they are now and what they want their financial future to be.
Many of our clients have been with us for the 30 years that we have existed as a firm which is the relationship that we aim to have moving forwards.
As a team, we provide a wide array of services as well as covering different generations of clients.
Gary is a Chartered Financial Planner and a Fellow of the Personal Finance Society (PFS). He was the Vice Chairman of the Personal Finance Society when it was known as The Society of Financial Advisers.
Dominic spent 30 years at Scottish Widows as a Pensions Specialist, a role that has prepared him to hit the ground running at Panoramic.
Ross joined in 2014 and has been concentrating on providing Mortgage and Protection advice whilst completing further exams and is now a Financial Planner. He aims to provide education and awareness to the next generation of clients alongside advice. Ross also sits on the Committee for the CISI Young Professionals Network and Sevenoaks Chamber of Commerce Next Gen Group.
Panoramic Wealth Management Ltd, 16 Lonsdale Gardens, Kent, Tunbridge Wells, TN1 1NU
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