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INSIGHTEVENTSLOGIN
The Personal Finance Society (PFS) is a professional body dedicated to building trust in the financial planning profession. LOGIN - THE PFSCONTACTCOOKIE POLICYABOUT USLOGIN Once logged in you will be able to manage your account, renew your membership, purchase products and access exam results. RevisionMate users – you have been redirected here because we have changed the way you access this service. This now uses your CII/PFS login, and you will be automatically redirected back to RevisionMate oncesuccessfully
THE PENSION TRANSFER GOLD STANDARD The Pension Transfer Gold Standard. The Gold Standard is a voluntary code of good practice for safeguarded and defined benefit pension transfer advice, based around a set of principles. Firms can adopt and promote this standard and principles, so consumers can better understand and find good advice, and be confident they are dealingwith a firm
DESIGNATIONS
Our designations are more than just letters after your name, they come with commitments; Continuing Professional Development (CPD) Adherence to the CII Code of Ethics. Consequently, these demonstrate to employers, peers and clients a commitment to self-improvement and adherence to clear standards of practice and behaviour. The tablebelow shows
FINANCIAL VULNERABILITY TASKFORCE |INITIATIVES Financial Vulnerability Taskforce. The Financial Vulnerability Taskforce is a newly created independent representative body covering the Personal Finance Sector whose ultimate purpose is to promote greater UNDERSTANDING, encourage appropriate BEHAVIOURS and establish GOOD PRACTICE in respect of consumer vulnerability. It will act as aninformed
DIPLOMA IN FINANCIAL PLANNING The Diploma in Financial Planning is a tried-and-tested qualification. Over 35,000 individuals have passed it or are working towards completion. It is what the FSA has termed a ‘transitional qualification’ in that holders will satisfy the RDR qualification requirements, with any short-fall between the coverage of this qualification and the new exam standards to be met throughEDUCATION CHAMPIONS
Financial education delivered by professionals. Our sessions are delivered by our network of Education Champions – professional members who are committed to giving something back to their local community. This is a fantastic way for you to give something back and help young people as they start their journey to adulthood and begintheir careers.
TRUSTS AND THE RESIDENCE NIL RATE BAND As is well known by now, from 6 April 2017 an additional IHT allowance will be available in respect of a residence which the testator owns or has owned in the past. This is called the “residence nil rate band” (RNRB) and will be given by an increase in the nil rate band available to the individual. Whilst we still don’t have all the final detail (the downsizing provisions are still being A PRACTICAL GUIDE TO ADVISED PENSION INCOME DRAWDOWN Good Practice Guide/September 2018 2 Good Practice Guide In 2015, the introduction of ‘Pension Freedoms’ was a game changer for the retirement income market, moving existing pension savings from a source of income in retirement PFS WEBINAR: PFS MONTHLY MEDLEY Webinar: PFS Monthly Medley. Join us for our first PFS monthly medley, a must join morning session of educational, topical and informative content, delivered digitally to the profession. This event will offer a mix of sessions, providing market wide updates and both personal and business development opportunities through practical skill sessions. HOME | PERSONAL FINANCE SOCIETY (PFS)ABOUT USMEMBERSHIPLEARNINGNEWS &INSIGHTEVENTSLOGIN
The Personal Finance Society (PFS) is a professional body dedicated to building trust in the financial planning profession. LOGIN - THE PFSCONTACTCOOKIE POLICYABOUT USLOGIN Once logged in you will be able to manage your account, renew your membership, purchase products and access exam results. RevisionMate users – you have been redirected here because we have changed the way you access this service. This now uses your CII/PFS login, and you will be automatically redirected back to RevisionMate oncesuccessfully
THE PENSION TRANSFER GOLD STANDARD The Pension Transfer Gold Standard. The Gold Standard is a voluntary code of good practice for safeguarded and defined benefit pension transfer advice, based around a set of principles. Firms can adopt and promote this standard and principles, so consumers can better understand and find good advice, and be confident they are dealingwith a firm
DESIGNATIONS
Our designations are more than just letters after your name, they come with commitments; Continuing Professional Development (CPD) Adherence to the CII Code of Ethics. Consequently, these demonstrate to employers, peers and clients a commitment to self-improvement and adherence to clear standards of practice and behaviour. The tablebelow shows
FINANCIAL VULNERABILITY TASKFORCE |INITIATIVES Financial Vulnerability Taskforce. The Financial Vulnerability Taskforce is a newly created independent representative body covering the Personal Finance Sector whose ultimate purpose is to promote greater UNDERSTANDING, encourage appropriate BEHAVIOURS and establish GOOD PRACTICE in respect of consumer vulnerability. It will act as aninformed
DIPLOMA IN FINANCIAL PLANNING The Diploma in Financial Planning is a tried-and-tested qualification. Over 35,000 individuals have passed it or are working towards completion. It is what the FSA has termed a ‘transitional qualification’ in that holders will satisfy the RDR qualification requirements, with any short-fall between the coverage of this qualification and the new exam standards to be met throughEDUCATION CHAMPIONS
Financial education delivered by professionals. Our sessions are delivered by our network of Education Champions – professional members who are committed to giving something back to their local community. This is a fantastic way for you to give something back and help young people as they start their journey to adulthood and begintheir careers.
TRUSTS AND THE RESIDENCE NIL RATE BAND As is well known by now, from 6 April 2017 an additional IHT allowance will be available in respect of a residence which the testator owns or has owned in the past. This is called the “residence nil rate band” (RNRB) and will be given by an increase in the nil rate band available to the individual. Whilst we still don’t have all the final detail (the downsizing provisions are still being A PRACTICAL GUIDE TO ADVISED PENSION INCOME DRAWDOWN Good Practice Guide/September 2018 2 Good Practice Guide In 2015, the introduction of ‘Pension Freedoms’ was a game changer for the retirement income market, moving existing pension savings from a source of income in retirement PFS WEBINAR: PFS MONTHLY MEDLEY Webinar: PFS Monthly Medley. Join us for our first PFS monthly medley, a must join morning session of educational, topical and informative content, delivered digitally to the profession. This event will offer a mix of sessions, providing market wide updates and both personal and business development opportunities through practical skill sessions. INDIVIDUAL CHARTERED Displaying the Chartered mark ensures that customers, employers and professional peers recognise your achievement and technical expertise. There are rules about how it can be used which are covered in Guidelines for Chartered mark usage (PDF). To obtain your Chartered mark please contact Customer Service on +44 (0)20 8989 8464 orcustomer.serv
DESIGNATIONS
Our designations are more than just letters after your name, they come with commitments; Continuing Professional Development (CPD) Adherence to the CII Code of Ethics. Consequently, these demonstrate to employers, peers and clients a commitment to self-improvement and adherence to clear standards of practice and behaviour. The tablebelow shows
FELLOWSHIP LEVEL MEMBERSHIP By phone. 020 8530 0818. This membership level is for you if you complete the PFS Fellowship programme. It shows the world that you have attained and maintained the most prestigious level of professional achievement. Those wishing to continue their studies can also work towards Fellowship of the Personal Finance Society. SUSTAINABLE INVESTING We are hearing a lot about sustainable investment and ESG (Environmental, Social and Governance) considerations recently. It has left some asking about whether this is a significant change in financial advice, or just another passing fashion. STATEMENT OF PROFESSIONAL STANDING (SPS) The FCA requires that all retail investment advisers now hold a Statement of Professional Standing (SPS). An SPS can only be issued by an FCA appointed accredited body, such as the CII, and confirms that an adviser: Has adhered to a code of ethical standards. Holds the required qualifications for the activities they undertake. INTRODUCING 'YOUR MONEY' George Tsounias explains how My Personal Finance Skills is now educating the nation’s adults about money matters The My Personal Finance Skills website now has a ‘Your Money’ section, which extends the financial education offered by the initiative to people ofall ages.
PENSIONS TRANSFER WEBINARS Bobbi Sills highlights key takeaways from the PFS’s latest pension transfer webinar. The PFS continues to deliver continuing professional development (CPD) for members through live online webinars, all of which are available to view on demand on the PFS ON24 platform.TECHNICAL REFRESHER
The effects of the recent Budget on the High Income Child Benefit Charge. In his recent Budget, the UK Chancellor Rishi Sunak announced no changes to the rates of income tax in 2021/2022. TECHNICAL Q&A SUMMER 2021 Questions answered on uncrystallised funds and what happens to ISAs when moving abroad. Q My client is aged 73 with uncrystallised fundsof
Q&A - SUMMER 2021
The CII Financial Assess training package tests your knowledge of key. Question 1. What is the lifetime allowance for tax year 2021/22? A.1.03m
HOME | PERSONAL FINANCE SOCIETY (PFS)ABOUT USMEMBERSHIPLEARNINGNEWS &INSIGHTEVENTSLOGIN
The Personal Finance Society (PFS) is a professional body dedicated to building trust in the financial planning profession. LOGIN - THE PFSCONTACTCOOKIE POLICYABOUT USLOGIN Once logged in you will be able to manage your account, renew your membership, purchase products and access exam results. RevisionMate users – you have been redirected here because we have changed the way you access this service. This now uses your CII/PFS login, and you will be automatically redirected back to RevisionMate oncesuccessfully
THE PENSION TRANSFER GOLD STANDARD The Pension Transfer Gold Standard. The Gold Standard is a voluntary code of good practice for safeguarded and defined benefit pension transfer advice, based around a set of principles. Firms can adopt and promote this standard and principles, so consumers can better understand and find good advice, and be confident they are dealingwith a firm
DIPLOMA IN FINANCIAL PLANNING The Diploma in Financial Planning is a tried-and-tested qualification. Over 35,000 individuals have passed it or are working towards completion. It is what the FSA has termed a ‘transitional qualification’ in that holders will satisfy the RDR qualification requirements, with any short-fall between the coverage of this qualification and the new exam standards to be met throughEDUCATION CHAMPIONS
Financial education delivered by professionals. Our sessions are delivered by our network of Education Champions – professional members who are committed to giving something back to their local community. This is a fantastic way for you to give something back and help young people as they start their journey to adulthood and begintheir careers.
DRAWDOWN PLANNING AND THE LIFETIME ALLOWANCE TESTS The LTA at the time was £1.8m and so they used up 80%. At the time of the second LTA test the funds in drawdown had grown to £1,380,000. This is an increase of £300,000. The client has no LTA protection; therefore their remaining LTA is 20% of the current LTA, i.e. 1,073,100 x 20% = £214,620. The £300,000 increase is £85,380 morethan
GETTING YOU STARTED IN PARAPLANNING 6 Getting you started in paraplanning - September 2018 A little bit of background What is a paraplanner? That’s a very good question! Unfortunately though, PFS WEBINAR: PFS MONTHLY MEDLEY Webinar: PFS Monthly Medley. Join us for our first PFS monthly medley, a must join morning session of educational, topical and informative content, delivered digitally to the profession. This event will offer a mix of sessions, providing market wide updates and both personal and business development opportunities through practical skill sessions. A PRACTICAL GUIDE TO ADVISED PENSION INCOME DRAWDOWN Good Practice Guide/September 2018 2 Good Practice Guide In 2015, the introduction of ‘Pension Freedoms’ was a game changer for the retirement income market, moving existing pension savings from a source of income in retirement TRUSTS AND THE RESIDENCE NIL RATE BAND As is well known by now, from 6 April 2017 an additional IHT allowance will be available in respect of a residence which the testator owns or has owned in the past. This is called the “residence nil rate band” (RNRB) and will be given by an increase in the nil rate band available to the individual. Whilst we still don’t have all the final detail (the downsizing provisions are still being HOME | PERSONAL FINANCE SOCIETY (PFS)ABOUT USMEMBERSHIPLEARNINGNEWS &INSIGHTEVENTSLOGIN
The Personal Finance Society (PFS) is a professional body dedicated to building trust in the financial planning profession. LOGIN - THE PFSCONTACTCOOKIE POLICYABOUT USLOGIN Once logged in you will be able to manage your account, renew your membership, purchase products and access exam results. RevisionMate users – you have been redirected here because we have changed the way you access this service. This now uses your CII/PFS login, and you will be automatically redirected back to RevisionMate oncesuccessfully
THE PENSION TRANSFER GOLD STANDARD The Pension Transfer Gold Standard. The Gold Standard is a voluntary code of good practice for safeguarded and defined benefit pension transfer advice, based around a set of principles. Firms can adopt and promote this standard and principles, so consumers can better understand and find good advice, and be confident they are dealingwith a firm
DIPLOMA IN FINANCIAL PLANNING The Diploma in Financial Planning is a tried-and-tested qualification. Over 35,000 individuals have passed it or are working towards completion. It is what the FSA has termed a ‘transitional qualification’ in that holders will satisfy the RDR qualification requirements, with any short-fall between the coverage of this qualification and the new exam standards to be met throughEDUCATION CHAMPIONS
Financial education delivered by professionals. Our sessions are delivered by our network of Education Champions – professional members who are committed to giving something back to their local community. This is a fantastic way for you to give something back and help young people as they start their journey to adulthood and begintheir careers.
DRAWDOWN PLANNING AND THE LIFETIME ALLOWANCE TESTS The LTA at the time was £1.8m and so they used up 80%. At the time of the second LTA test the funds in drawdown had grown to £1,380,000. This is an increase of £300,000. The client has no LTA protection; therefore their remaining LTA is 20% of the current LTA, i.e. 1,073,100 x 20% = £214,620. The £300,000 increase is £85,380 morethan
GETTING YOU STARTED IN PARAPLANNING 6 Getting you started in paraplanning - September 2018 A little bit of background What is a paraplanner? That’s a very good question! Unfortunately though, PFS WEBINAR: PFS MONTHLY MEDLEY Webinar: PFS Monthly Medley. Join us for our first PFS monthly medley, a must join morning session of educational, topical and informative content, delivered digitally to the profession. This event will offer a mix of sessions, providing market wide updates and both personal and business development opportunities through practical skill sessions. A PRACTICAL GUIDE TO ADVISED PENSION INCOME DRAWDOWN Good Practice Guide/September 2018 2 Good Practice Guide In 2015, the introduction of ‘Pension Freedoms’ was a game changer for the retirement income market, moving existing pension savings from a source of income in retirement TRUSTS AND THE RESIDENCE NIL RATE BAND As is well known by now, from 6 April 2017 an additional IHT allowance will be available in respect of a residence which the testator owns or has owned in the past. This is called the “residence nil rate band” (RNRB) and will be given by an increase in the nil rate band available to the individual. Whilst we still don’t have all the final detail (the downsizing provisions are still being INDIVIDUAL CHARTERED Displaying the Chartered mark ensures that customers, employers and professional peers recognise your achievement and technical expertise. There are rules about how it can be used which are covered in Guidelines for Chartered mark usage (PDF). To obtain your Chartered mark please contact Customer Service on +44 (0)20 8989 8464 orcustomer.serv
DESIGNATIONS
Our designations are more than just letters after your name, they come with commitments; Continuing Professional Development (CPD) Adherence to the CII Code of Ethics. Consequently, these demonstrate to employers, peers and clients a commitment to self-improvement and adherence to clear standards of practice and behaviour. The tablebelow shows
FELLOWSHIP LEVEL MEMBERSHIP By phone. 020 8530 0818. This membership level is for you if you complete the PFS Fellowship programme. It shows the world that you have attained and maintained the most prestigious level of professional achievement. Those wishing to continue their studies can also work towards Fellowship of the Personal Finance Society. INTRODUCING 'YOUR MONEY' George Tsounias explains how My Personal Finance Skills is now educating the nation’s adults about money matters The My Personal Finance Skills website now has a ‘Your Money’ section, which extends the financial education offered by the initiative to people ofall ages.
PENSIONS TRANSFER WEBINARS Bobbi Sills highlights key takeaways from the PFS’s latest pension transfer webinar. The PFS continues to deliver continuing professional development (CPD) for members through live online webinars, all of which are available to view on demand on the PFS ON24 platform.Q&A - SUMMER 2021
The CII Financial Assess training package tests your knowledge of key. Question 1. What is the lifetime allowance for tax year 2021/22? A.1.03m
GREEN CREDENTIALS FOR MEMBERS Samantha Mitchell explains the new simple, secure and sustainable way to share your professional achievements. In the past few months, the PFS has been making significant enhancements to its membership offering, with a focus on putting digital at the heart of membership.TECHNICAL REFRESHER
The effects of the recent Budget on the High Income Child Benefit Charge. In his recent Budget, the UK Chancellor Rishi Sunak announced no changes to the rates of income tax in 2021/2022. MAXIMISE YOUR MEMBERSHIP Simon Webster gives an overview of the benefits of Personal Finance Society membership. Our community of 40,000 members is active in all corners of the personal finance profession. TECHNICAL Q&A SUMMER 2021 Questions answered on uncrystallised funds and what happens to ISAs when moving abroad. Q My client is aged 73 with uncrystallised fundsof
HOME | PERSONAL FINANCE SOCIETY (PFS)ABOUT USMEMBERSHIPLEARNINGNEWS &INSIGHTEVENTSLOGIN
The Personal Finance Society (PFS) is a professional body dedicated to building trust in the financial planning profession. LOGIN - THE PFSCONTACTCOOKIE POLICYABOUT USLOGIN Once logged in you will be able to manage your account, renew your membership, purchase products and access exam results. RevisionMate users – you have been redirected here because we have changed the way you access this service. This now uses your CII/PFS login, and you will be automatically redirected back to RevisionMate oncesuccessfully
THE PENSION TRANSFER GOLD STANDARD The Pension Transfer Gold Standard. The Gold Standard is a voluntary code of good practice for safeguarded and defined benefit pension transfer advice, based around a set of principles. Firms can adopt and promote this standard and principles, so consumers can better understand and find good advice, and be confident they are dealingwith a firm
DIPLOMA IN FINANCIAL PLANNING The Diploma in Financial Planning is a tried-and-tested qualification. Over 35,000 individuals have passed it or are working towards completion. It is what the FSA has termed a ‘transitional qualification’ in that holders will satisfy the RDR qualification requirements, with any short-fall between the coverage of this qualification and the new exam standards to be met throughEDUCATION CHAMPIONS
Financial education delivered by professionals. Our sessions are delivered by our network of Education Champions – professional members who are committed to giving something back to their local community. This is a fantastic way for you to give something back and help young people as they start their journey to adulthood and begintheir careers.
DRAWDOWN PLANNING AND THE LIFETIME ALLOWANCE TESTS The LTA at the time was £1.8m and so they used up 80%. At the time of the second LTA test the funds in drawdown had grown to £1,380,000. This is an increase of £300,000. The client has no LTA protection; therefore their remaining LTA is 20% of the current LTA, i.e. 1,073,100 x 20% = £214,620. The £300,000 increase is £85,380 morethan
GETTING YOU STARTED IN PARAPLANNING 6 Getting you started in paraplanning - September 2018 A little bit of background What is a paraplanner? That’s a very good question! Unfortunately though, PFS WEBINAR: PFS MONTHLY MEDLEY Webinar: PFS Monthly Medley. Join us for our first PFS monthly medley, a must join morning session of educational, topical and informative content, delivered digitally to the profession. This event will offer a mix of sessions, providing market wide updates and both personal and business development opportunities through practical skill sessions. A PRACTICAL GUIDE TO ADVISED PENSION INCOME DRAWDOWN Good Practice Guide/September 2018 2 Good Practice Guide In 2015, the introduction of ‘Pension Freedoms’ was a game changer for the retirement income market, moving existing pension savings from a source of income in retirement TRUSTS AND THE RESIDENCE NIL RATE BAND As is well known by now, from 6 April 2017 an additional IHT allowance will be available in respect of a residence which the testator owns or has owned in the past. This is called the “residence nil rate band” (RNRB) and will be given by an increase in the nil rate band available to the individual. Whilst we still don’t have all the final detail (the downsizing provisions are still being HOME | PERSONAL FINANCE SOCIETY (PFS)ABOUT USMEMBERSHIPLEARNINGNEWS &INSIGHTEVENTSLOGIN
The Personal Finance Society (PFS) is a professional body dedicated to building trust in the financial planning profession. LOGIN - THE PFSCONTACTCOOKIE POLICYABOUT USLOGIN Once logged in you will be able to manage your account, renew your membership, purchase products and access exam results. RevisionMate users – you have been redirected here because we have changed the way you access this service. This now uses your CII/PFS login, and you will be automatically redirected back to RevisionMate oncesuccessfully
THE PENSION TRANSFER GOLD STANDARD The Pension Transfer Gold Standard. The Gold Standard is a voluntary code of good practice for safeguarded and defined benefit pension transfer advice, based around a set of principles. Firms can adopt and promote this standard and principles, so consumers can better understand and find good advice, and be confident they are dealingwith a firm
DIPLOMA IN FINANCIAL PLANNING The Diploma in Financial Planning is a tried-and-tested qualification. Over 35,000 individuals have passed it or are working towards completion. It is what the FSA has termed a ‘transitional qualification’ in that holders will satisfy the RDR qualification requirements, with any short-fall between the coverage of this qualification and the new exam standards to be met throughEDUCATION CHAMPIONS
Financial education delivered by professionals. Our sessions are delivered by our network of Education Champions – professional members who are committed to giving something back to their local community. This is a fantastic way for you to give something back and help young people as they start their journey to adulthood and begintheir careers.
DRAWDOWN PLANNING AND THE LIFETIME ALLOWANCE TESTS The LTA at the time was £1.8m and so they used up 80%. At the time of the second LTA test the funds in drawdown had grown to £1,380,000. This is an increase of £300,000. The client has no LTA protection; therefore their remaining LTA is 20% of the current LTA, i.e. 1,073,100 x 20% = £214,620. The £300,000 increase is £85,380 morethan
GETTING YOU STARTED IN PARAPLANNING 6 Getting you started in paraplanning - September 2018 A little bit of background What is a paraplanner? That’s a very good question! Unfortunately though, PFS WEBINAR: PFS MONTHLY MEDLEY Webinar: PFS Monthly Medley. Join us for our first PFS monthly medley, a must join morning session of educational, topical and informative content, delivered digitally to the profession. This event will offer a mix of sessions, providing market wide updates and both personal and business development opportunities through practical skill sessions. A PRACTICAL GUIDE TO ADVISED PENSION INCOME DRAWDOWN Good Practice Guide/September 2018 2 Good Practice Guide In 2015, the introduction of ‘Pension Freedoms’ was a game changer for the retirement income market, moving existing pension savings from a source of income in retirement TRUSTS AND THE RESIDENCE NIL RATE BAND As is well known by now, from 6 April 2017 an additional IHT allowance will be available in respect of a residence which the testator owns or has owned in the past. This is called the “residence nil rate band” (RNRB) and will be given by an increase in the nil rate band available to the individual. Whilst we still don’t have all the final detail (the downsizing provisions are still being INDIVIDUAL CHARTERED Displaying the Chartered mark ensures that customers, employers and professional peers recognise your achievement and technical expertise. There are rules about how it can be used which are covered in Guidelines for Chartered mark usage (PDF). To obtain your Chartered mark please contact Customer Service on +44 (0)20 8989 8464 orcustomer.serv
DESIGNATIONS
Our designations are more than just letters after your name, they come with commitments; Continuing Professional Development (CPD) Adherence to the CII Code of Ethics. Consequently, these demonstrate to employers, peers and clients a commitment to self-improvement and adherence to clear standards of practice and behaviour. The tablebelow shows
FELLOWSHIP LEVEL MEMBERSHIP By phone. 020 8530 0818. This membership level is for you if you complete the PFS Fellowship programme. It shows the world that you have attained and maintained the most prestigious level of professional achievement. Those wishing to continue their studies can also work towards Fellowship of the Personal Finance Society. INTRODUCING 'YOUR MONEY' George Tsounias explains how My Personal Finance Skills is now educating the nation’s adults about money matters The My Personal Finance Skills website now has a ‘Your Money’ section, which extends the financial education offered by the initiative to people ofall ages.
PENSIONS TRANSFER WEBINARS Bobbi Sills highlights key takeaways from the PFS’s latest pension transfer webinar. The PFS continues to deliver continuing professional development (CPD) for members through live online webinars, all of which are available to view on demand on the PFS ON24 platform.Q&A - SUMMER 2021
The CII Financial Assess training package tests your knowledge of key. Question 1. What is the lifetime allowance for tax year 2021/22? A.1.03m
GREEN CREDENTIALS FOR MEMBERS Samantha Mitchell explains the new simple, secure and sustainable way to share your professional achievements. In the past few months, the PFS has been making significant enhancements to its membership offering, with a focus on putting digital at the heart of membership.TECHNICAL REFRESHER
The effects of the recent Budget on the High Income Child Benefit Charge. In his recent Budget, the UK Chancellor Rishi Sunak announced no changes to the rates of income tax in 2021/2022. MAXIMISE YOUR MEMBERSHIP Simon Webster gives an overview of the benefits of Personal Finance Society membership. Our community of 40,000 members is active in all corners of the personal finance profession. TECHNICAL Q&A SUMMER 2021 Questions answered on uncrystallised funds and what happens to ISAs when moving abroad. Q My client is aged 73 with uncrystallised fundsof
HOME | PERSONAL FINANCE SOCIETY (PFS)ABOUT USMEMBERSHIPLEARNINGNEWS &INSIGHTEVENTSLOGIN
The Personal Finance Society (PFS) is a professional body dedicated to building trust in the financial planning profession. LOGIN - THE PFSCONTACTCOOKIE POLICYABOUT USLOGIN Once logged in you will be able to manage your account, renew your membership, purchase products and access exam results. RevisionMate users – you have been redirected here because we have changed the way you access this service. This now uses your CII/PFS login, and you will be automatically redirected back to RevisionMate oncesuccessfully
DESIGNATIONS
Our designations are more than just letters after your name, they come with commitments; Continuing Professional Development (CPD) Adherence to the CII Code of Ethics. Consequently, these demonstrate to employers, peers and clients a commitment to self-improvement and adherence to clear standards of practice and behaviour. The tablebelow shows
THE PENSION TRANSFER GOLD STANDARD The Pension Transfer Gold Standard. The Gold Standard is a voluntary code of good practice for safeguarded and defined benefit pension transfer advice, based around a set of principles. Firms can adopt and promote this standard and principles, so consumers can better understand and find good advice, and be confident they are dealingwith a firm
EDUCATION CHAMPIONS
Financial education delivered by professionals. Our sessions are delivered by our network of Education Champions – professional members who are committed to giving something back to their local community. This is a fantastic way for you to give something back and help young people as they start their journey to adulthood and begintheir careers.
BACKSTAGE WITH KEITH RICHARDS PERSONAL PORTFOLIO BONDS THE DEFINITION OF A PPB. Section 516 ITTOIA defines a personal portfolio bond as a policy of life insurance, contract for a life annuity or capital redemption policy (in practice most PPBs will be single premium investment bonds) that meets two DRAWDOWN PLANNING AND THE LIFETIME ALLOWANCE TESTS The LTA at the time was £1.8m and so they used up 80%. At the time of the second LTA test the funds in drawdown had grown to £1,380,000. This is an increase of £300,000. The client has no LTA protection; therefore their remaining LTA is 20% of the current LTA, i.e. 1,073,100 x 20% = £214,620. The £300,000 increase is £85,380 morethan
PFS WEBINAR: PFS MONTHLY MEDLEY Webinar: PFS Monthly Medley. Join us for our first PFS monthly medley, a must join morning session of educational, topical and informative content, delivered digitally to the profession. This event will offer a mix of sessions, providing market wide updates and both personal and business development opportunities through practical skill sessions. A PRACTICAL GUIDE TO ADVISED PENSION INCOME DRAWDOWN Good Practice Guide/September 2018 2 Good Practice Guide In 2015, the introduction of ‘Pension Freedoms’ was a game changer for the retirement income market, moving existing pension savings from a source of income in retirement HOME | PERSONAL FINANCE SOCIETY (PFS)ABOUT USMEMBERSHIPLEARNINGNEWS &INSIGHTEVENTSLOGIN
The Personal Finance Society (PFS) is a professional body dedicated to building trust in the financial planning profession. LOGIN - THE PFSCONTACTCOOKIE POLICYABOUT USLOGIN Once logged in you will be able to manage your account, renew your membership, purchase products and access exam results. RevisionMate users – you have been redirected here because we have changed the way you access this service. This now uses your CII/PFS login, and you will be automatically redirected back to RevisionMate oncesuccessfully
DESIGNATIONS
Our designations are more than just letters after your name, they come with commitments; Continuing Professional Development (CPD) Adherence to the CII Code of Ethics. Consequently, these demonstrate to employers, peers and clients a commitment to self-improvement and adherence to clear standards of practice and behaviour. The tablebelow shows
THE PENSION TRANSFER GOLD STANDARD The Pension Transfer Gold Standard. The Gold Standard is a voluntary code of good practice for safeguarded and defined benefit pension transfer advice, based around a set of principles. Firms can adopt and promote this standard and principles, so consumers can better understand and find good advice, and be confident they are dealingwith a firm
EDUCATION CHAMPIONS
Financial education delivered by professionals. Our sessions are delivered by our network of Education Champions – professional members who are committed to giving something back to their local community. This is a fantastic way for you to give something back and help young people as they start their journey to adulthood and begintheir careers.
BACKSTAGE WITH KEITH RICHARDS PERSONAL PORTFOLIO BONDS THE DEFINITION OF A PPB. Section 516 ITTOIA defines a personal portfolio bond as a policy of life insurance, contract for a life annuity or capital redemption policy (in practice most PPBs will be single premium investment bonds) that meets two DRAWDOWN PLANNING AND THE LIFETIME ALLOWANCE TESTS The LTA at the time was £1.8m and so they used up 80%. At the time of the second LTA test the funds in drawdown had grown to £1,380,000. This is an increase of £300,000. The client has no LTA protection; therefore their remaining LTA is 20% of the current LTA, i.e. 1,073,100 x 20% = £214,620. The £300,000 increase is £85,380 morethan
PFS WEBINAR: PFS MONTHLY MEDLEY Webinar: PFS Monthly Medley. Join us for our first PFS monthly medley, a must join morning session of educational, topical and informative content, delivered digitally to the profession. This event will offer a mix of sessions, providing market wide updates and both personal and business development opportunities through practical skill sessions. A PRACTICAL GUIDE TO ADVISED PENSION INCOME DRAWDOWN Good Practice Guide/September 2018 2 Good Practice Guide In 2015, the introduction of ‘Pension Freedoms’ was a game changer for the retirement income market, moving existing pension savings from a source of income in retirement CHARTERED MEMBERSHIP Chartered status. Chartered status enables you as an individual or a firm to demonstrate your professional commitment to raising standards of knowledge and technical competency. It tells your customers that they can expect the highest quality of service. The personal finance sector has to meet the challenges of increased FCA regulation, newDESIGNATIONS
Our designations are more than just letters after your name, they come with commitments; Continuing Professional Development (CPD) Adherence to the CII Code of Ethics. Consequently, these demonstrate to employers, peers and clients a commitment to self-improvement and adherence to clear standards of practice and behaviour. The tablebelow shows
FINANCIAL VULNERABILITY TASKFORCE |INITIATIVES Financial Vulnerability Taskforce. The Financial Vulnerability Taskforce is a newly created independent representative body covering the Personal Finance Sector whose ultimate purpose is to promote greater UNDERSTANDING, encourage appropriate BEHAVIOURS and establish GOOD PRACTICE in respect of consumer vulnerability. It will act as aninformed
INTRODUCING 'YOUR MONEY' George Tsounias explains how My Personal Finance Skills is now educating the nation’s adults about money matters The My Personal Finance Skills website now has a ‘Your Money’ section, which extends the financial education offered by the initiative to people ofall ages.
MAXIMISE YOUR MEMBERSHIP Simon Webster gives an overview of the benefits of Personal Finance Society membership. Our community of 40,000 members is active in all corners of the personal finance profession.Q&A - SUMMER 2021
The CII Financial Assess training package tests your knowledge of key. Question 1. What is the lifetime allowance for tax year 2021/22? A.1.03m
TECHNICAL Q&A SUMMER 2021 Questions answered on uncrystallised funds and what happens to ISAs when moving abroad. Q My client is aged 73 with uncrystallised fundsof
PENSIONS TRANSFER WEBINARS Bobbi Sills highlights key takeaways from the PFS’s latest pension transfer webinar. The PFS continues to deliver continuing professional development (CPD) for members through live online webinars, all of which are available to view on demand on the PFS ON24 platform. GREEN CREDENTIALS FOR MEMBERS Samantha Mitchell explains the new simple, secure and sustainable way to share your professional achievements. In the past few months, the PFS has been making significant enhancements to its membership offering, with a focus on putting digital at the heart of membership.TECHNICAL REFRESHER
The effects of the recent Budget on the High Income Child Benefit Charge. In his recent Budget, the UK Chancellor Rishi Sunak announced no changes to the rates of income tax in 2021/2022. HOME | PERSONAL FINANCE SOCIETY (PFS)ABOUT USMEMBERSHIPLEARNINGNEWS &INSIGHTEVENTSLOGIN
The Personal Finance Society (PFS) is a professional body dedicated to building trust in the financial planning profession. LOGIN - THE PFSCONTACTCOOKIE POLICYABOUT USLOGIN Once logged in you will be able to manage your account, renew your membership, purchase products and access exam results. RevisionMate users – you have been redirected here because we have changed the way you access this service. This now uses your CII/PFS login, and you will be automatically redirected back to RevisionMate oncesuccessfully
THE PENSION TRANSFER GOLD STANDARDADVANTAGES OF THE GOLD STANDARDBENEFITS OF WEARING GOLDHEALTH BENEFITS OF GOLDPROS OF THE GOLD STANDARDTHE GOLD STANDARD DEFINITIONUNITED GOLD BENEFIT The Pension Transfer Gold Standard. The Gold Standard is a voluntary code of good practice for safeguarded and defined benefit pension transfer advice, based around a set of principles. Firms can adopt and promote this standard and principles, so consumers can better understand and find good advice, and be confident they are dealingwith a firm
CHARTERED MEMBERSHIP Chartered status. Chartered status enables you as an individual or a firm to demonstrate your professional commitment to raising standards of knowledge and technical competency. It tells your customers that they can expect the highest quality of service. The personal finance sector has to meet the challenges of increased FCA regulation, newEDUCATION CHAMPIONS
Financial education delivered by professionals. Our sessions are delivered by our network of Education Champions – professional members who are committed to giving something back to their local community. This is a fantastic way for you to give something back and help young people as they start their journey to adulthood and begintheir careers.
PERSONAL PORTFOLIO BONDS THE DEFINITION OF A PPB. Section 516 ITTOIA defines a personal portfolio bond as a policy of life insurance, contract for a life annuity or capital redemption policy (in practice most PPBs will be single premium investment bonds) that meets two DRAWDOWN PLANNING AND THE LIFETIME ALLOWANCE TESTSUK LIFETIME ALLOWANCE PENSIONANNUAL ALLOWANCE CHARGEANNUAL PENSION ALLOWANCEANNUAL PENSION ALLOWANCE UKPENSION ALLOWANCE UKTAX FREE PENSION ALLOWANCE The LTA at the time was £1.8m and so they used up 80%. At the time of the second LTA test the funds in drawdown had grown to £1,380,000. This is an increase of £300,000. The client has no LTA protection; therefore their remaining LTA is 20% of the current LTA, i.e. 1,073,100 x 20% = £214,620. The £300,000 increase is £85,380 morethan
AGENT AS CLIENT WHAT YOU NEED TO KNOW 6 Agent as Client, How does this work? 1. Are you normally operating as an agent of the client? 2. What is the difference between agent as client and agent of the client? 3. A PRACTICAL GUIDE TO ADVISED PENSION INCOME DRAWDOWN Good Practice Guide/September 2018 2 Good Practice Guide In 2015, the introduction of ‘Pension Freedoms’ was a game changer for the retirement income market, moving existing pension savings from a source of income in retirement THE APPLICATION OF REINSURANCE 825 SPECIALIST MODULE 13 The application of reinsurance 825 OBJECTIVE: To provide a knowledge and understanding of the operations of the reinsurance markets associated with underwriting, accounting, claims provision and government supervision. Note to candidates: You are recommended to attempt this subject after the technical subject ‘Principles of reinsurance’ as it HOME | PERSONAL FINANCE SOCIETY (PFS)ABOUT USMEMBERSHIPLEARNINGNEWS &INSIGHTEVENTSLOGIN
The Personal Finance Society (PFS) is a professional body dedicated to building trust in the financial planning profession. LOGIN - THE PFSCONTACTCOOKIE POLICYABOUT USLOGIN Once logged in you will be able to manage your account, renew your membership, purchase products and access exam results. RevisionMate users – you have been redirected here because we have changed the way you access this service. This now uses your CII/PFS login, and you will be automatically redirected back to RevisionMate oncesuccessfully
THE PENSION TRANSFER GOLD STANDARDADVANTAGES OF THE GOLD STANDARDBENEFITS OF WEARING GOLDHEALTH BENEFITS OF GOLDPROS OF THE GOLD STANDARDTHE GOLD STANDARD DEFINITIONUNITED GOLD BENEFIT The Pension Transfer Gold Standard. The Gold Standard is a voluntary code of good practice for safeguarded and defined benefit pension transfer advice, based around a set of principles. Firms can adopt and promote this standard and principles, so consumers can better understand and find good advice, and be confident they are dealingwith a firm
CHARTERED MEMBERSHIP Chartered status. Chartered status enables you as an individual or a firm to demonstrate your professional commitment to raising standards of knowledge and technical competency. It tells your customers that they can expect the highest quality of service. The personal finance sector has to meet the challenges of increased FCA regulation, newEDUCATION CHAMPIONS
Financial education delivered by professionals. Our sessions are delivered by our network of Education Champions – professional members who are committed to giving something back to their local community. This is a fantastic way for you to give something back and help young people as they start their journey to adulthood and begintheir careers.
PERSONAL PORTFOLIO BONDS THE DEFINITION OF A PPB. Section 516 ITTOIA defines a personal portfolio bond as a policy of life insurance, contract for a life annuity or capital redemption policy (in practice most PPBs will be single premium investment bonds) that meets two DRAWDOWN PLANNING AND THE LIFETIME ALLOWANCE TESTSUK LIFETIME ALLOWANCE PENSIONANNUAL ALLOWANCE CHARGEANNUAL PENSION ALLOWANCEANNUAL PENSION ALLOWANCE UKPENSION ALLOWANCE UKTAX FREE PENSION ALLOWANCE The LTA at the time was £1.8m and so they used up 80%. At the time of the second LTA test the funds in drawdown had grown to £1,380,000. This is an increase of £300,000. The client has no LTA protection; therefore their remaining LTA is 20% of the current LTA, i.e. 1,073,100 x 20% = £214,620. The £300,000 increase is £85,380 morethan
AGENT AS CLIENT WHAT YOU NEED TO KNOW 6 Agent as Client, How does this work? 1. Are you normally operating as an agent of the client? 2. What is the difference between agent as client and agent of the client? 3. A PRACTICAL GUIDE TO ADVISED PENSION INCOME DRAWDOWN Good Practice Guide/September 2018 2 Good Practice Guide In 2015, the introduction of ‘Pension Freedoms’ was a game changer for the retirement income market, moving existing pension savings from a source of income in retirement THE APPLICATION OF REINSURANCE 825 SPECIALIST MODULE 13 The application of reinsurance 825 OBJECTIVE: To provide a knowledge and understanding of the operations of the reinsurance markets associated with underwriting, accounting, claims provision and government supervision. Note to candidates: You are recommended to attempt this subject after the technical subject ‘Principles of reinsurance’ as it LEARNING | PERSONAL FINANCE SOCIETY (PFS) Conquer curiosity. Learning. Home. Learning. We provide access to personal finance qualifications through the CII and learning-based content for your CPD needs, to help you stay up to date in yourcareer.
DESIGNATIONS
Our designations are more than just letters after your name, they come with commitments; Continuing Professional Development (CPD) Adherence to the CII Code of Ethics. Consequently, these demonstrate to employers, peers and clients a commitment to self-improvement and adherence to clear standards of practice and behaviour. The tablebelow shows
INTRODUCING 'YOUR MONEY' George Tsounias explains how My Personal Finance Skills is now educating the nation’s adults about money matters The My Personal Finance Skills website now has a ‘Your Money’ section, which extends the financial education offered by the initiative to people ofall ages.
MAXIMISE YOUR MEMBERSHIP Simon Webster gives an overview of the benefits of Personal Finance Society membership. Our community of 40,000 members is active in all corners of the personal finance profession.Q&A - SUMMER 2021
The CII Financial Assess training package tests your knowledge of key. Question 1. What is the lifetime allowance for tax year 2021/22? A.1.03m
TECHNICAL Q&A SUMMER 2021 Questions answered on uncrystallised funds and what happens to ISAs when moving abroad. Q My client is aged 73 with uncrystallised fundsof
PENSIONS TRANSFER WEBINARS Bobbi Sills highlights key takeaways from the PFS’s latest pension transfer webinar. The PFS continues to deliver continuing professional development (CPD) for members through live online webinars, all of which are available to view on demand on the PFS ON24 platform. GREEN CREDENTIALS FOR MEMBERS Samantha Mitchell explains the new simple, secure and sustainable way to share your professional achievements. In the past few months, the PFS has been making significant enhancements to its membership offering, with a focus on putting digital at the heart of membership.SHARP RESPONSE
Aamina Zafar examines lessons to learn from a recent FCA ruling on pension switching. Lessons must be learnt from a six-figure fine for an independent financial advice firm that recommended pension switches and failed to manage conflicts of interest, according to financial advisers and regulatory experts.TECHNICAL REFRESHER
The effects of the recent Budget on the High Income Child Benefit Charge. In his recent Budget, the UK Chancellor Rishi Sunak announced no changes to the rates of income tax in 2021/2022. COOKIES ON THE PFS WEBSITE By using and browsing the PFS website, you consent to cookies being used in accordance with our policy. If
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