Action Learning – NHS Masterclass by John Reynolds

As a chartered financial adviser, how many conversations have you had about AA and LTA this year? How many of those are from members of the biggest pension scheme in the UK? A pension scheme with over 1.5 million employed active members? The fifth biggest employer in the world. With a large number of high-earners […]

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How to catch up on your studies if you have fallen behind

For some reason this week we have seen a slight drop in the number of ESQ’s being submitted and whilst this is not unusual (half term week, half way point, motivation drops a little or perhaps you are just feeling overwhelmed with your studies).  We’ve all been there and have experienced times when the studying […]

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Too Big to Fail: The Dark Side of Regulation by Michael Pashley

Disclaimer: Please note that this article contains potentially controversial views that don’t necessarily represent those of Expert Pensions or its associates, and has been written to entertain, inform, and to promote good-spirited debate around the subject. Ever heard the phrase “too big to fail”? My guess is you have, and you probably attribute it to […]

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Winter Wonderland – A risk worth taking? by John Reynolds

What does this picture make YOU feel? This picture was taken by one of our ex-students: it’s a person skating on a frozen Loch above Aberfeldy in Scotland on 2 February 2019 (Saturday past). [Photo taken by Andrew Macintyre, Director and Chartered Financial Planner, Macintyre Wealth Management Ltd] It was published on social media and it […]

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Government facing £4bn final salary pension shortfall after losing appeal in the courts by Andrew Houghton

It has emerged that the Government may be obliged to pay out an additional £4bn per annum following a December age discrimination ruling relating to public sector pensions. The ruling concerned changes made to the pension rights of a group of judges and firefighters following the 2015 pension reforms. The coalition Government in power at […]

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What is a Pension Transfer Value?

In order to understand this, you first need to understand that there are two types of pensions in the UK: defined contribution pensions, and defined benefit pensions [1]. Defined Contribution Pensions Defined contribution pensions are like savings accounts. Money is saved into the pension and invested into assets such as company shares and bonds. The […]

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Pension cold calling ban comes into effect by Andrew Houghton

The long-awaited ban on pension cold calling came into effect on Wednesday (9th January 2019). As those who have been following closely may remember, yours truly commented back in July that it was time to cut to the chase on this matter rather than introducing protracted further discussions. In a welcome move, the legislators appear […]

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What Qualifications do I need to be a Financial Adviser? By Michael Pashley

If you’re reading this, you may be considering a change in career.  Congratulations on taking the first step. We can see why you’d consider becoming a financial adviser: the freedom and flexibility to work from home, choose your own hours, and realise true job satisfaction by helping your clients achieve their financial goals. If this […]

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What are CII Qualifications? By Michael Pashley

What is the CII? The Chartered Insurance Institute (CII) is a professional body for the financial planning and insurance industries, with global network of over 100,000 members in 150 countries. The financial planning division of the CII is called the Personal Finance Society (PFS) [1]. Within the financial planning industry, “CII” and “PFS” are often used […]

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Is AF8 right for you? Are you sure? by John Reynolds

The AF8  exam is demanding: it’s all about how to actively and skilfully analyse and apply your knowledge into a client case study. You need the ability to actively analyse, evaluate and apply information gathered from, or generated by, observation, experience, reflection, reasoning or communication with your clients. You know that our world of work […]

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