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QUALIFICATIONS

I’ve been helping people manage their finances for the past 17 years. As the financial world changes, I’m continuously updating my knowledge through industry recognised qualifications, so that i’m always abreast of the most suitable options for my clients.

Level 6 Award in Pension Transfers

Level 6 Pension transfers

Level 4 Diploma in Financial Planning

QCF Level 4

Level 3 Certificate in Financial Planning

Level 3

RO2 Investment Principles & Risk

RO2

DIP CII

Dip CII

CF2 Investment & Risk

CF2

Life & Pensions

Life&Pensions

JO1 Personal Tax

RO1

RO6 Financial Planning Practice

RO6

FPC 3 Identifying Clients Needs

FCP3

FPC1 Financial Regulation

FCP1

FPC2 Protection & Investments

FCP2

Level 3 Mortgage Advice

CIB Level 3 Mortgage

Financial Planning Certificate

FCP

MY PRACTICE AREAS

Final Salary

Occupational schemes based on your salary and length of employment. 

Defined Benefit

Occupational scheme where you pension income benefits are know and not reliant on stock market performance.

Guaranteed Minimum Pension (GMP)

Contracted out, salary related pension benefit.

Guaranteed Annuity Rates (GAR)

Schemes offering a guaranteed income rate, irrespective of current market annuity rates.

Occupational Money Purchase

Occupational schemes with a varying fund value.

Guaranteed Level of Income

e.g. Under a Retirement Annuity Contact (RAC) or deferred annuity

Section 9 2 (b) Rights

i.e. contracted out pension service post 1997 under a scheme that contracts out on the Reference Scheme Test basis

Consolidation

Transferring many pension schemes into a new more cost effective and flexible plan. 

“You can be young without money, but you can’t be old without it.”

Tennessee Williams