This qualification assesses a knowledge and understanding of investment products and the application of 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.
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.
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.
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.
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 qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.
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 assesses a knowledge and understanding of the legislative and regulatory position of home reversion plans and their place in the advice process.
This AFPC module provided an advanced knowledge of life and health protection. The October 2004 examination qualified the individual to advise on long-term care insurance.
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.
Mark provides expert, high quality financial advice throughout the North West as a Chartered Financial Planner, Fellow of the Personal Finance Society and SOLLA accredited Later Life Adviser.
Typically, Mark advises new clients with at least £250,000-£500,000+ to advise upon. He has over 25 years experience in financial services, with expertise in higher value investments/pensions advice and Inheritance Tax planning.
Most of Mark's clients have accumulated or come into their wealth. He assists clients to protect their assets and agree upon the right combination of income & growth. Mark has decades of experience to help clients achieve financial security often demonstrated with cash flow techniques reviewed as part of an ongoing service to keep on track!
Mark is also a specialist on Care Fees Planning for those privately funding care fees.
Please ask for Mark O'Neill when making contact.
2018 Award Winners;
Lancashire Business View, Red Rose Awards "Best Financial Business".
North West Chamber of Commerce BIBA (Be Inspired Business Awards) "Professional Practice of the Year" and "Excellence in Corporate Social Responsibility".
We are passionate about high quality face to face independent financial advice and are one of the most qualified firms in the UK as a practice with seven Chartered Financial Planners. We pride ourselves on excellent communication with our clients and have achieved Investors in People Gold standard in recognition of our staff and systems.
Crucially, we offer a range of ongoing service levels providing regular reviews of our client's planning to help meet their objectives.
16 The Belfry, Lytham, Lancashire, FY8 4NW
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