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.
This examination assesses the candidate to develop in depth financial planning skills related to personal and corporate pensions.
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 the candidate to develop in depth financial planning skills related to personal tax and trusts.
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 helps advisers develop and demonstrate their financial planning capabilities.
Rathmore Financial Chartered Financial Planners are an Independent Financial Advisers (IFA).
We work with clients in Bristol, Gloucester, Somerset, Surrey, Sussex, Greater London and Hampshire.
We believe financial planning should not be complicated. We provide the reassuring independent advice our clients need in a fair and clear way.
We focus on providing the most appropriate, impartial advice based on your individual situation and our in-depth understanding of solutions available. Independent advice allows us to consider a broad range of different providers and wide range of products that we can recommend.
Our reputation is extremely precious to us which is why we are so proud of the long-term relationships we have built with our clients.
Clients regularly recommend us because they value our empathy and experience when difficult decisions need to be made.
Initial meetings are always at our expense as is the provision of ‘an initial summary’. There is no need to worry as there are no hidden costs or nasty shocks. Meetings can be face to face (when safe) or remote, by telephone, ‘FaceTime’ or other technology medium.
We excel at providing financial wellbeing in later life.
There are now more choices available to you at the point of retirement than ever before.
On 6 April 2015 changes to the way in which pension benefits can be taken came into force, which added to the considerations and options available with retirement planning.
We guide you with tailored retirement planning advice to help you derive a suitable solution from your pension savings, other investments, and assets that you may have built up through your working life.
We take care to look at everything that could affect its ability to provide for you and your family including income sustainability, planning for unexpected longer-term costs and efficient legacies.
If you have already retired and have financial worries we advise on additional forms of income such as equity release and if you become too frail to live independently, we show you how to pay for care without breaking the bank.
Registered in England and Wales under reference: 0776 – 9982
Registered Office address: Trym Lodge, 1 Henbury Road, Westbury-On-Trym, Bristol, BS9 3HQ.
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provided as thoroughly as possible,
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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.