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.
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.
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 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 examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.
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 the knowledge and understanding of economic factors that affect risk from different investments, product features and regulatory framework of retail investments, taxation liabilities and portfolio planning.
This examination assesses a knowledge and understanding of the legislative and regulatory position of home reversion plans and their place in the advice process.
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, long term care insurance products and the giving of long term care insurance advice.
This examination assesses the knowledge and understanding of the different types of pensions and annuities and their uses and applications. To compare analytically and contrast different types of pensions and annuities in the context of giving proper advice.
If you're wondering about your pension and investment choices pre and post-retirement, you've come to the right place.
After all, there are only ever 2 retirement financial outcomes and we want your money to outlive you.
We love what we do - freeing you to do what you love to do!
You perhaps need help navigating the often baffling range of retirement income options? You want to make sure you get this right. We are here to help.
We are 1 of only apx. 700 CII - Chartered Financial Planning firms in the UK. This is deemed the 'gold standard' for financial advice.
At Wishart Wealth, our promise to you is that we:
1. Are nice
2. Are honest
3. Ask great questions (and listen)
4. Truly care about your needs
5. Do what we say we are going to do
6. Aim to exceed your expectations every day
7. Love to look after our clients and remove as much of the pain and uncertainty surrounding this important stuff
Why not join us for a coffee or tea and friendly (jargon-free) chat? There's no fee for that.
1. Positively life changing proper financial planning – with you, we work out what you need to do (exactly) to get where you want to go. Done well, this is life changing stuff.
2. A long term historical perspective (versus whatever the ‘apocalypse du jour’ is). History versus today’s headlines. There can be no rational long term financial plan without our long term historical perspective (or you might sell out during a temporary downturn).
3. Ongoing behavioural investment coaching – temporary volatility - investment values always go down as well as up. We help keep you on track.
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