MARCH 2021


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  • MARCH 2021


    Are you signed up to the Professional Paraplanner daily website alert? For more technical, tax, pensions, investment, retirement, protection and paraplanner community news and analysis, and to keep up with the latest in our series of Technical Insight and Investment Committee Webinars, SIGN UP HERE. We issue one email a day, at 8am.

    CLICK HERE TO ACCESS YOUR COPY: Professional Paraplanner March 2021

    In this issue:

    SPECIAL REPORT: EIS: An 8-page special on Enterprise Investment Schemes, why, where and how paraplanners use Enterprise Investment Schemes with their clients, the motivation for investors to put their money into EIS, given they are high risk investments, and a 3-page guide to help paraplanners research Enterprise Investment Schemes and recommend them to the right clients.



    Reece Edwards, Technical and Research Manager at Hampshire Hill, tells Rob Kingsbury about the succession plans that will see him and a colleague take the helm at the firm.

    Exam study: Mortgages

    This issue the Brand Financial Training team examine mortgages and what paraplanners need to know for a range of exams.

    Creating excellence
    How might you achieve excellence in everything you do? And continue to do so? Michelle Hoskin explains The 4E’s of Excellence™

    My Responsible investment journey

    Rebecca Kowalski describes how she came to be passionate about responsible investing and helped develop her firm’s RI proposition

    Digital identity

    What is Electronic Verification and why is it important?

    5 minutes with…

    Barry Foster talks about joining Curtis Banks at the end of 2020 and how he will be delivering technical information for paraplanners and advisers


    Currency twist?

    Will the dollar fall from its perch? Edward Smith, head of Asset Allocation Research, Rathbones, takes a view and outlines what it may mean for global investors

    Market valuations

    Should we be worried about market valuations – or is that the wrong question entirely? asks Fund Calibre’s Darius McDermott

    Fixed income

    Could 2021 be fixed Income’s most challenging year yet? There’s the possibility of pain ahead but Central Bank policy could alter the market equilibrium, says Aberdeen Standard Investments’ James Athey


  • FEBRUARY 2021


    Are you signed up to the Professional Paraplanner daily website alert? For more technical, tax, pensions, investment, retirement, protection and paraplanner community news and analysis, and to keep up with the latest in our series of Technical Insight and Investment Committee Webinars, SIGN UP HERE. We issue one email a day, at 8am.

    CLICK HERE TO ACCESS THE FEBRUARY 2021 ISSUE: Professional Paraplanner February 2021 

    Waiting for you inside:

    Viewpoint: Dan Atkinson considers a daily renewal process that can help us destress, stay safe and thrive in 2021.

    Profile: Debbie Condon, founder of Intuitive Support, has been vocal about the industry’s cumbersome administration processes

    Pensions tax planning

    Early planning is needed around pensions at the end of an unusual tax year

    Loans from Trust

    Case studies showing where loans from Trust have been used to help family members achieve their financial goals

    Remittance Basis of Taxation

    A look at the alternative tax rules in place for those people who are UK resident with overseas income and gains but are not UK domiciled.

    The Paraplanner Club

    The Paraplanner Club is a mentoring initiative devised by Siân Davies Cole and Chloe Phillips and sponsored by Professional Paraplanner

    Mental ‘W’health!

    Michelle Hoskin used Lockdown to take Mental Health First Aider training – opening her eyes, she says

    The Investment Committee

    China: Going mainstream

    As China’s stock market opens up, its A shares are being incorporated into mainstream indices

    Which bonds for 2021?

    Flexibility in the bond market will be essential this year, which is where strategic bonds may win out

    Investing for Yield

    The advantages of using goal-based asset allocation to construct an income portfolio

    Sector: This issue we look at the value of the pound


  • DECEMBER 2020


    INCLUDING: VCT SPECIAL REPORT. An 8-page special including a Guide to VCTs, illustrating the benefits of VCTS and how they can be used as a powerful planning tool for clients in a variety of different scenarios, a Q&A on VCTs and their importance in supporting UK smaller businesses, and we talk to paraplanners about when and how they use VCTs and with which clients.


    In this issue:

    Paraplanner community

    In this issue’s Paraplanner Profile, Aishling Costello, paraplanner with Fidelius, tells Rob Kingsbury how getting involved, asking questions and stepping outside her comfort zone is the way she has progressed her knowledge and experience of paraplanning

    Dan Atkinson, head of Technical, Paradigm Norton Financial Planning reflects on an unprecedented year and what it has taught him

    Rob Kingsbury catches up with Blake Ellis, PP cover star in October 2018 and now director and technical paraplanner at outsourced firm Prudent Paraplanning

    And focusing on motivation, Michelle Hoskin, managing director of Standards International asks what personal development positives have been learned in 2020 which can be carried forward into the New Year?

    Technical and tax

    We ask John Calverley, chief economist of newly launched investment support firm Tricio Investment Advisors, why he believes there are five reasons to be worried about inflation

    The Brand Financial Training team examine the High Income Child Benefit Charge, focussing on the detail that can see families become liable to pay this charge and options to help avoid it.

    The Investment Committee

    In this issue, our writers look at:

    • How investing in renewable energy can combine financial returns with positive impact
    • Three investment areas which could prove interesting in 2021
    • Why ESG research, engagement and analysis puts it at the pinnacle of active investing, according to one proponent
    • And our sector analysis looks at why separating the wheat from the chaff when investing in small-cap funds has never been as important as it is today


  • NOVEMBER 2020


    INCLUDING: Business Property Relief Social  Eight pages of insight into when and how BPR may be used within financial and tax planning and with which clients it tends to resonate, including a three-page guide to all things BPR.


    In this issue:

    Paraplanner community

    For our Paraplanner Profile we talk to Kim Bendall, whose new company offers paraplanning, practice management, training and consultancyWe also catch up with Jade Connolly, PP cover star in October 2015, talking to her about her career progression from paraplanner to M&A adviser

    And… Rebecca Tuck talks about moving firm during the Coronavirus crisis to become a paraplanner with Paradigm Norton Financial Planning

    Technical and tax

    Stephen McPhillips, technical sales director, Dentons Pension Management, considers pension scheme death benefits and provides an update following the recent Supreme Court Judgment.

    The Brand Financial Training team looks at tax quirks that apply to discretionary trusts.

    Intelliflo’s Richard Wake looks at how technology can facilitate the suitability report writing process


    Michelle Hoskin plots a course that can help firms move from the position where one or two people in isolation are making all the decisions to an entire team working for the benefit of the business

    The Investment Committee

    In this issue, our writers look at the structural changes in the UK due to Covid-19 and what this means for investors; whether gold can really be a long-term investment from this point onwards; and whether central bank policy has created a culture of dependency which will culminate in the breaking of the markets.


  • OCTOBER 2020


    DOWNLOAD your copy of the October 2020 issue of Professional Paraplanner HERE: Professional Paraplanner Magazine October 2020

    Paraplanner profile

    In early September 2020, outsourced paraplanning firm Plan Works relaunched following founder Nathan Fryer being joined by experienced paraplanner Siân Davies Cole. Rob Kingsbury spoke to them about partnering up, what they will be offering financial planning businesses and their plans to grow the business over the next few years.


    In an honest and open article, Damian Zhang, paraplanner at Foster Denovo, describes his experience with mental health issues and provides practical advice for individuals and for employers in understanding and dealing with the issues that can arise

    White paper writing

    Recently, Dan Atkinson, head of Technical at Paradigm Norton, had the opportunity to co-author a white paper on potential tax increases, aimed at helping the firm’s clients to understand the potential impact on their financial plans. Here he describes the process.

    Exam lockdown

    Lockdown’s effect on this year’s exams meant candidates suffered from cancelled and re-arranged exams, while issues with remote invigilation for some CII exams also caused headaches. We spoke to Ann Mora, operations manager at Brand Financial Training, about what happened and how things look now.

    Team talk

    At the heart of any good business and work stream is good communication and… collaboration. We need more of it, says Michelle Hoskin, managing director Standards International

    Professional body

    CISI’s Jackie Lockie finds that writing a financial plan using the client’s own words doesn’t always provide a defined picture of what the client wants and an actionable strategy

    Game plan

    Is the current market, economic uncertainty and noise around potential tax hikes causing clients concern around tax planning and affecting firms’ advice? We spoke to paraplanners about their experiences

    IHT planning with a power of attorney

    Jessica Franks, head of Tax, Octopus Investments, shoes how clients can achieve their estate planning objectives when a power of attorney is in place

    The LTA charge

    Should the Lifetime Allowance charge be avoided at all costs or are there circumstances where it is worth the client paying the charge? Dave Downie, technical manager, Standard Life


    Certainty of income

    David Hambidge, director of multi-assets at Premier Miton, considers the problems in producing a sustainable income in a world where uncertainty rules

    Japan – what next?

    Darius McDermott, managing director, FundCalibre, looks at the legacy of Japan’s Prime Minister Abe Shinzo and following his announced resignation, where there may be potential concerns for investors

    Destructive capitalism

    Does recovery from Covid-19’s impact require more of a Darwinian than a Keynesian approach? David Coombs, fund manager, Rathbone Multi-Asset Portfolio Funds takes a view

    Sector considerations

    This issue the Fund Calibre team look at the UK Equity market




  • SEPTEMBER 2020


    DOWNLOAD your copy of the September 2020 issue of Professional Paraplanner HERE: Professional Paraplanner September 2020

    In the issue you’ll find the following:


    For this issue’s profile, we break from our normal paraplanner interviewee, talking instead to Jackie Boylan, Head of FundsNetwork, about the milestone, her career, diversity in financial services, and developments with the platform

    We have 5 minutes with…  Steve Bailey, director, ATEB Consulting, talking about the compliance consultancy,  good compliance practice, tips for FCA visits and the firm’s work for the FCA on Section 166 reviews

    Viewpoint is from Micheala Hawkins, administrator with outsourced paraplanning firm Navigatus, who talks about failing a number of exams before she adapted her studying process and broke through the barriers that had been holding her back from achieving her potential

    Technical articles include:

    Pension death benefits: Looking at reasons why an individual might look beyond their spouse in respect of the beneficiaries of their pension

    SSAS: A case study covering how a business owner used good financial advice and planning to help expand his family business

    Pensions tax: Examining new rules in respect of Tapered Annual Allowance and Carry Forward that came into effect in April 2020

    And for our TDQ: Development article this issue, the Brand Financial Training team compare the options and benefits between setting up a business as a sole trader or as a limited company


    We have Industry comment from Matt Lonsdale, relationship manager at BNY Mellon’s Pershing EMEA, discussing the future of financial planning

    Michelle Hoskin, MD of Standards International poses questions paraplanners should be asking of themselves at this crucial time for many businesses

    And Caroline Stuart, director of Sparrow Paraplanning and PFS Board member, considers whether the Coronavirus crisis could actually turn out to be good for financial planning firms

    The Investment committee

    Premier-Miton’s Simon Evan-Cook observes that many fund managers say they dabbled with stocks when young, buying companies with products they knew but most also admit they got their fingers burned

    Darius McDermott, managing director, FundCalibre, looks at income investing and whether dividend cuts could be a good thing for the market

    While Rathbone’s David Coombs believes commercial property investment as we know it is about to change – possibly significantly


  • JULY/AUGUST 2020



    OR DOWNLOAD IT AS A PDF HERE: ProfessionalParaplanner-July-Aug 2020

    Inside our biggest issue yet you’ll find:

    All the winners from our 2020 AWARDS

    The Paraplanner Awards

    Winners of the six Paraplanner awards including interviews

    The Provider Awards

    The companies nominated by you as the best in their category

    Paraplanner profile

    Editor Rob Kingsbury talks to Alistair Cartwright, winner of this year’s Paraplanner of the Year (in-house) award, about being promoted, his views on paraplanning and studying beyond the usual qualifications


    Understanding your client’s capacity for loss


    John Humphreys, IHT specialist, WAY Investment Solutions, uses a case study to illustrate the disadvantages of putting off tax planning

    TDQ: Tax

    A look at the tax position of self-employed taxpayers whose income is affected by the Coronavirus lockdown

    Being a happy human

    Will we enter the ‘new normal’ able to feel better about ourselves or will we revert to our old ways?


    Practical tips for paraplanners needing to research SSAS providers

    Professional Body

    A book on resilience has Jacqueline Lockie, head of Financial Planning, CISI, re-assessing motivation and what it means for paraplanners.

    The Investment Committee

    Sector considerations: Correlation

    Crunching the numbers in respect of correlation of asset classes during the C-19 crisis

    Where next for income?

    Charles Luke, Aberdeen Standard Investments, considers income investing during the current pandemic and what is affecting the market outlook

    Avoiding Waterloo

    Current corporate bond markets offer rare opportunities but managers warn there will be clear winners and losers in the sector

    PLUS our regulars: Test your Knowledge, Parameters, data download and CPD


  • JUNE 2020



    OR DOWNLOAD IT AS A PDF HERE: Professional Paraplanner_JUNE 2020

    What you’ll find inside:

    Paraplanner profile

    Katherine Harvey, client services director, Russell Gibson had a novel means of winning her role at interview, particularly as it didn’t exist at the time, she tells Rob Kingsbury

    Locked down

    Dan Atkinson shares his thoughts on the unusual situation of starting a new job when the office is in lockdown.

    Tackling R06

    The 2019 pass rate for RO6 dropped by 10%. Catriona Standingford, MD of Brand Financial Training, looks at the October 2019 exam, what may have affected the pass rate and what future candidates need to consider

    The Power of Process

    Paraplanners are perfectly positioned to see where firms’ processes are working or not, which is why they should get involved in business improvement, says Michelle Hoskin, MD of Standards International

    The Scheme Pension trap

    Can scheme pension continue to have a place in financial planning? Stephen McPhillips, Technical Sales Director, Dentons Pension Management Limited, considers its use in financial planning

    IHT planning

    Exemption for BPR investments doesn’t apply until two years after the initial investment. What happens if the client is elderly or unwell?


    Dividends done?

    Aberdeen Standard Investments’ Will James considers the impact of recent cancelled and delayed dividends and what this means for equity income investing

    Under the microscope

    Darius McDermott, managing director, FundCalibre looks at the Healthcare sector, which has a number of positive factors in its favour including a potential uplift in demand post the current crisis

    Sustainable investing

    Mike Appleby, Investment Manager, Liontrust Sustainable Investment team considers potential economic changes post Covid-19 and how they may affect sustainable investing. Could we see an economy that is cleaner, healthier, safer and more equitable?

    Professional comment

    Tom O’Hara of the PFS Paraplanners Practitioners Panel reflects on what has been achieved in the five years since the panel was started



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