AF7 Exam Support

What is the most important skill you can take with you into an Exam?

Can you learn to be confident? Absolutely! As we are moving towards exam day we have said all along that by following our study plans and ‘doing the doing’ then you are on the right road to success. You will have heard us say that at this point in your studies that practice, practice, practice […]

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The Brexit clock is ticking and what this means for QROPS – By Andrew Houghton

Expats and retirement planning: The Brexit Conundrum Soft Brexit? Hard Brexit? No deal Brexit? BRINO? (Brexit In Name Only)? If anyone had said five years ago that these terms would have passed into everyday usage, they would more than likely have been dismissed as the latest piece of teenage slang. More likely to be heard […]

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Unregulated introducers: The catalyst for carnage? By Andrew Houghton

Depending on who you ask and where the figures come from, the public appetite for defined benefit transfers out is either on the wane or shows no signs of abating. As recently as 31 May, a Freedom of Information request submitted by Money Marketing showed that the number of individuals swapping final salary benefits for […]

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Enhanced Transfer Values – A Double Edged Sword? By Andrew Houghton

It’s one of those situations that sounds great in theory. OK Mr Jones, so here’s what your pension is on an annual basis.  Here’s what we’ve calculated that it is worth as a lump sum. But guess what, because we’re such nice guys, we don’t want to give you that (with apologies to Chris Tarrant). Oh […]

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Worth Noting by Andrew Houghton

Andrew Houghton has highlighted a recent interesting case which may be of particular interest to students studying for AF1 or JO2 as well as those taking AF7, AF8, PETR or PTPA. This ruling will have significant ramifications for pension scheme trustees contemplating using powers set out in the scheme rules going forwards. On the face […]

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Appropriate Qualifications

We have published this information previously, but having received a number of questions regarding which exam is right for you we thought it was worth highlighting a few points again to help you make the right choice. Appropriate Qualifications…but which one? Our business is pensions; technical pension consultancy and competence in pensions – through CPD […]

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I Did it My Way by Michael Pashley

This article is intended for those who have achieved the CII Level 4 Diploma in Regulated Financial Planning and have decided to study for the Level 6 Advanced Diploma. In short, to achieve the Advanced Diploma, you need to accumulate 290 CII credits. If you hold the Level 4 Regulated Diploma, you have earned 100 […]

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The Evolution of Learning

Growing up (in the eighties), Embracing the noughties (2000-2009), Caught in the Inbetweenies (2010-2012) and Terrified of the Teenies (2013-2019)? Growing up and learning in the eighties was a tough gig – I should know I was there and have experienced the sheer delights of: Not owning a mobile phone in my teenage years. I […]

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LEARN LONG AND PROSPER

Love it or hate it learning is part of how we develop, grow and progress. Almost everything we do will be as a result of learning something. What are your past memories of learning – do you associate learning with a positive or negative experience? This can ultimately have an impact on how you view […]

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Contingent charging: The devil and the deep blue sea

The budding PTS population with an eye on current affairs will be aware of the sharp regulatory focus that currently surrounds contingent charging. For the uninitiated, a contingent charge is one where the adviser is only remunerated, or only fully remunerated, if the proposed transfer goes ahead. The adviser’s fee is therefore ‘contingent’ on the […]

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