QUALIFICATIONS
I’ve been helping people manage their finances for the past 20 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 4 Diploma in Financial Planning
Level 3 Certificate in Financial Planning
RO2 Investment Principles & Risk
DIP CII
CF2 Investment & Risk
Life & Pensions
JO1 Personal Tax
RO6 Financial Planning Practice
FPC 3 Identifying Clients Needs
FPC1 Financial Regulation
FPC2 Protection & Investments
Level 3 Mortgage Advice
Financial Planning Certificate
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