December 2018
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Latest - REGULATION / COMPLIANCE

  • Royal London flags drawdown impact of 10% market fall

    9 December 2018

    Royal London has highlighted the impact for clients using drawdown, warning they must ensure they take a sustainable level of income to maintain a resilient portfolio during periods of investment volatility, or risk running out of funds.  The mutual insurer said that if a person with £100,000 invested over a 25-year term took an...

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  • Tax planning: How to exit a bond – Part II

    9 December 2018

    In the second part of her articles, Kim Jarvis, technical manager, Canada Life says when using a UK bond, the exit is not all about tax There are many factors besides tax to take into account when choosing a tax wrapper, and these may impact on access. Investment bonds provide flexibility in access and...

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  • CII Level 4 Diploma course launched by Blackburn College University Centre

    6 December 2018

    Blackburn College University Centre is running the CII Level 4 Diploma in Regulated Financial Planning, giving North West paraplanners and technical consultants and those aspiring to become financial planners the opportunity for face-to-face taught sessions from an independent Higher Education establishment. The course will run from 8 January 2019 to 1 October 2019, taking...

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  • Should paraplanners be responsible for carrying out client fact finds?

    5 December 2018

    Your Questions Answered: In a recent parameters survey the question was posed by one of your peers whether paraplanners should conduct the fact finds rather than advisers, in order to ensure all the relevant information was obtained. Here’s how you responded.     More than a quarter of paraplanners believe they should undertake fact finds...

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  • HMRC’s interpretation of death benefits in respect of a pensions transfer

    5 December 2018

    Martin Tilley, director of Technical Services, Dentons Pension Management looks at HMRC’s interpretation of death benefits in respect of IHT where a pension transfer takes place, with reference to the recent ruling in Staveley vs HMRC. First published in the December 2018 issue of Professional Paraplanner. Scrutiny of Chancellor Osborne’s pension freedoms announced in...

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  • DWP publishes proposals to make Pensions Dashboards a reality from 2019

    3 December 2018

    The Department for Work and Pensions has published its long awaited Feasibility Study into the Pensions Dashboards, enabling the industry to start preparing for what’s necessary to make the project happen, with the first schemes onboarding in 2019. Guy Opperman Parliamentary Under Secretary of State for Pensions & Financial Inclusion said the proposed pensions...

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  • FOS complaints post pensions freedoms and suitability reports

    2 December 2018

    Cathi Harrison, managing director of Apricity Compliance, reviews the recent data released by the Financial Ombudsman Service on pensions complaints and what it means when writing suitability reports on pensions transfers. You may have seen that the Financial Ombudsman Service (FOS) has shared some data in relation to pension complaints, what makes them up,...

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  • TDQ: Test Your Knowledge – Questions

    29 November 2018

    For Professional Paraplanner’s TDQ (Training, Development and Qualifications) series, we have teamed up with key support providers, such as Brand Financial Training, to provide our readers with the very best in training, development and exam support. This series aims to provide you with valuable advice and guidance materials to help you achieve your training...

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