This qualification assesses the knowledge and understanding of the UK regulation environment in the financial services industry together with various types of mortgage products and repayment options and the giving of mortgage advice. Chartered Institute of Bankers in Scotland (CIOBS) qualifications are subject to a separate grading with the Scottish Credit and Qualifications Framework (SCQF) - www.scqf.org.uk
At the end of this unit, candidates should be able to demonstrate an understanding of: the basic structure of the tax system and self-assessment; the main taxes on income and capital that may be charged on individuals, the self-assessment system and how tax liabilities are computed; impact of residence and domicile on an individuals liability to UK tax.
Richard Martin has been offering financial services advice for over 25 years. Now as part of the award wining Chartered Financial Planning firm Aspect8 we cover all aspects of your personal financial planning needs with a holistic approach, such as pension planning, protection, mortgages, investments, savings etc.
We believe that the only way to plan effectively is to seek to understand our clients own goals and objectives. It is only when these are clearly understood by the adviser and client that a full and complete financial strategy can be sought.
We assess a clients needs and help form plans which can make a dramatic difference to their lives. Starting with a clients protection needs and moving on to mortgages, investment and pension planning plan all areas of financial planning are covered. Meetings can be held either at a clients home or at one of our offices during the day or in the evening. Once plans have been put in place regular reviews and access to a dedicated internet site are arranged to ensure plans remain suitable and up to date.
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