Latest Editions

• 

  JUNE 2021

  THIS ISSUE

  Are you signed up to the Professional Paraplanner daily website alert? If not please SIGN UP HERE. We issue one email a day, at 8am.

  ACCESS YOUR COPY OF THIS MONTH’S ISSUE HERE: Professional Paraplanner June 2021 Issue

  Included inside:

  Cover story: Is it time to go outsourced?

  In the new more virtual business environment, is it time you considered moving your career from in-house to outsourced? Fiona Bond talks to outsourced paraplanners about their experiences and views of the current market

  Dan Atkinson

  This issue Dan asks: What does it mean to be wealthy? And how does that affect the paraplanning role?

  Exam R0 focus

  In a new series for Professional Paraplanner, Bespoke Training Solutions’ Luiza Todd addresses common questions the firm has been asked over the years, whilst supporting R0 candidates through their regulated exams.

  Residence Nil Rate Band

  The Brand Financial Training team examine the rules around the residence nil rate band, providing examples to help clarify how the rules apply in practice.

  Lifetime allowance protection

  With so many different variations to consider, lifetime allowance (LTA) protection is now a complicated area of the pension rules. Curtis Banks’ pension technical manager Jessica List provides a summary of the key features of each type of protection

  Suitability tech

  Technology can be used to both ensure greater accuracy of data and speed up the investment suitability process, says Ross Laurie, CEO, Visible Capital

  Well and truly unleashed!
  Michelle Hoskin recently attended one of Tony Robbins’ Unleash the Power Within events. Here she provides some take-aways from the event and why she’s booked to take part in the next event in June 2021.

  THE INVESTMENT COMMITTEE

  Investment trusts: The opportunities ahead
  Rob Murphy, managing director of Financials at Edison Group, examines the trends and opportunities in investment trusts 2021

  Europe’s emerging technology sector

  Could Europe benefit from the next stage in tech sector evolution? Jamie Mills O’Brien, Investment Manager at Aberdeen Standard Investments believes it is positioned to do so.

  Global income
  Asia’s dividend history has been overshadowed by it’s growth story – so don’t overlook the region when it comes to dividend recovery, says Darius McDermott, managing director, FundCalibre

  Buy and sell disciplines

  It’s important to minimise emotional input when buying and selling stocks. Anthony Rayner explains the approach adopted by the Macro Thematic Multi Asset Team at Premier Miton Investments.

   

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• 

  MAY 2021

  THIS ISSUE

  The May 2021 issue of Professional Paraplanner magazine is now live.

  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.

            

  Professional Paraplanner May 2021 Issue

  Jupiter – Alpha Generation through focused risk management

  In this issue:

  Profile

  Paul Robertson talks to Rob Kingsbury about the catalyst in his life that prompted his decision to leave his head of Technical role and join The Martin Gallier Project, a mental health support and suicide prevention charity.

  Viewpoint

  Adam Keen, head of Paraplanning at Arlo International, looks at ESG investing in a way that truly meets client needs

  Professional bodies

  This issue we have contributions from both the PFS and CISI

  Caroline Stuart says the PFS Paraplanner Panel is now back and planning for the future

  The CISI’s Sally Plant considers the ever growing need of the industry to recruit career paraplanners

  Interview

  We talk to Laura Barnes, head of Intermediary Distribution at Parmenion about how the platform makes things easier for paraplanners

  Dealing with disaster

  There are situations when business priorities and the team around you have to come before clients, says Michelle Hoskin

  Exam prep

  The Brand Financial Training team explore investment ratios

  The Investment Committee

  What is alternative?

  While structured products are categorised as alternative investments, modern portfolio theory shows they can improve the risk/reward ratio of portfolios making them more efficient

  SME ESG

  There is a shifting pendulum of ESG in smaller companies, Tzoulianna Leventi, Investment Analyst, Aberdeen Standard Investments explains

  Markets
  Darius McDermott, managing director, FundCalibre considers whether the current outperformance of value has longer legs than may be expected.

  Thinking ahead

  Premier-Miton’s David Jane says the fund manager prefers to navigate to the future than predict it

  For this issue’s Sector considerations we look at the Healthcare sector

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• 

  APRIL 2021

  THIS ISSUE

  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.

  ACCESS THE APRIL 2021 ISSUE HERE: Professional Paraplanner April 2021 issue

  Profile

  Sally Plant, head of Financial Planning, CISI, talks to Rob Kingsbury about her remit, her ‘wish list’ and why she thinks financial planning is about to see a period of organic growth.

  My money story

  Dan Atkinson, head of Technical at Paradigm Norton Financial Planning, explores how our personal experience of money shapes our relationship with it

  Pensions

  Dentons’ Stephen McPhillips explains the process of in-specie transfer of assets between SIPPs

  Exam study

  This issue Brand Financial Training team focus on the State Pension – old and new

  Are digital exams here to stay?

  Has the CV-19 pandemic changed the way we approach regulated exams forever?

  Viewpoint

  Bradley Goodman says there were three elements that helped him succeed in the pre-graduate placement he won during the pandemic at Cathedral Financial Management

  Wellbeing

  Do you work for a ‘happy’ business! If not, is there something you could do about that? asks Michelle Hoskin, MD of Standards International

  THE INVESTMENT COMMITTEE

  Value

  Andrew Millington, head of UK equities, Aberdeen Standard Investments asks whether it is time to increase exposure to domestic equities

  ESG

  How can paraplanners help clients navigate an ESG ETF market proliferating with investment terms? Premier Miton Investors’ Wayne Nutland provides insight into this maze-like market

  India

  There are plenty of opportunities to be had, especially for the investor with a longer time horizon, says FundCalibre’s Darius McDermott

  SRI

  By expanding their knowledge of Socially Responsible Investing, paraplanners and advisers are helping clients to put their money where their values are

  Sector

  This issue: Latin American equities

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• 

  MARCH 2021

  THIS ISSUE

  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.

  CLICK HERE TO ACCESS STANDALONE VERSION OF THE EIS SPECIAL REPORT: Professional Paraplanner EIS Special Report

  Profile

  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

  THE INVESTMENT COMMITTEE

  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

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• 

  FEBRUARY 2021

  THIS ISSUE

  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

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• 

  DECEMBER 2020

  THIS ISSUE

  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.

  CLICK HERE TO ACCESS THE DIGITAL COPY

  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

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• 

  NOVEMBER 2020

  THIS ISSUE

  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.

  CLICK HERE TO ACCESS THE DIGITAL COPY

  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

  Development

  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.

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• 

  OCTOBER 2020

  THIS ISSUE

  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.

  Viewpoint

  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

  TAX PLANNING SPECIAL
  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

  THE INVESTMENT COMMITTEE

  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

   

   

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