Pensions

Big changes ahead – Are you Ready? by John Reynolds

50 in 2020 CPD is in the news, as I am sure you are well aware. CP19/25 is a seminal paper. It will have implications far beyond the immediate defined benefit pension transfers (DB TV) taking place: far, far beyond and for years to come. If you haven’t read CP19/25 I’d suggest you start reading […]

Learn More

WHY IS THIS THURSDAY IMPORTANT?

Been on holiday? Put off your study? Is the dust gathering on your AF7 text book? If yes, then don’t worry help is at hand as you are not too late to join us. This Thursday we are broadcasting LIVE with our first virtual workshop as part of our AF7 structured study plan. John will […]

Learn More

It’s nearly squeaky bum time….

08.01 Friday 2 December 1 week, 7 days, 168 hours, 10,079 minutes and change will happen. For those qualifying as Chartered it will be a proud moment. It will be a relief and a pleasure: a new future as a recognised, professionally qualified and Chartered Financial Planner. You are prepared for the future. You have […]

Learn More

3 unknowns about pension flexibility

I make it 7 weeks until 6 April and we are still awaiting final guidance on the IHT position. Tread carefully with any conversations you are having in the run-up to 6 April, particularly in the IHT space when discussing pension flexibility. There are still 3 things about pension flexibility that could have a serious impact […]

Learn More

CII exams 2015: April 2015 CII AF4 exam booked

If you are thinking about sitting an AF exam in April, time to decide from the CII exams 2015. I’ve just booked the CII AF4 exam for April 2015. I like to sit the AF3 and/or AF4 exam at least once a year This year it’s going to be AF4 in April and AF3 exam […]

Learn More

CII AF3 exam example question on video

Your most difficult subject from the whole AF3 exam syllabus is transitional primary protection. It’s the one most students, most of the time, have most difficulty with. And it’s recognised by the CII examiners as an important part of the syllabus for the AF3. It is so important, it was the BIG Q1 in October […]

Learn More

CII AF exam support: 1000 unique, topical and instantly available answers

Where else can you get access to over 200 exam topics and a 1000 replies? Every single one specifically and only about the CII AF exams? Save yourself hours of searching for an answer about the CII AF1 exam, AF3 exam, AF4 exam or AF5 exam. Every one original, unique, timely, topical and instantly available […]

Learn More

Does it matter the money comes from the DB scheme or the SIPP?

Following from my recent post and para-post on LinkedIN, Henry Tapper posted a question for me here: https://www.linkedin.com/pulse/db-dc-what-question-john-reynolds?trk=prof-post Here’s my answer (linkedIN wouldn’t let me post it): ”Henry, now now…check the financial advice given by a regulated pension transfer specialist authorised to give advice on DB transfers and given permissions by FCA? Trustees to check […]

Learn More

Access to the best of DC and DB pension schemes?

Is it foolish now to scorn the benefits of a DB scheme, in light of the new pensions flexibility? Oppose their outrageous good fortune? And take up arms against them with FAD? There’s no doubts that (for some) the new pension flexibility rules make the DB/DC transfer argument a lot closer. Are the new rules […]

Learn More

1, 2, 3 on Flexi-access drawdown (FAD)

Flexi-access drawdown is the new drawdown, post-6 April 2015. There are 3 key planning points about FAD which are worth thinking about: 1. Tax-free-cash (TFC) 2. Death benefits (DB) 3. MPAA Phased drawdown was used to provide a tax-efficient income (using TFC) with best DB options. No need any more. Death benefits under FAD are […]

Learn More