Andy_Schleider

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Andy_Schleider
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  • Come to think of it, my liability is capped as well. At the moment I don't think it is something I can afford, and any successful 'claim' would be much less than the annual premium anyway. I think that settles it, for now at least! Thanks fo…
  • If it's the same person every time, that would point to a training issue. Maybe it would help having a (weekly/monthly?) meeting and use this as one of the discussion points to get feedback and potential solutions from your team? If you use on…
  • I'm hoping to be able to use the advisers' own research tools. There are 2 reasons for this: 1. it saves me money on research costs, and 2 any reports use the adviser company's own branding, so as far as the client is concerned it's a seamless proc…
  • The firm I work for have moved to TP. Purely from a user's perspective I'm not that keen tbh. There is a lot of information that cannot be stored on the system (eg pension CFV and TV - you can only have one or the other, and you can't make it clea…
  • If the fees are in relation to the cost of moving then I don't think this will be seen as deliberate deprivation. If however, she was using the surplus to buy a Lamborghini the local authority might take a different view. Also if she gifts a larg…
  • I'm not sure I've got any surefire tips, but the basics: learn gilt yields - the running and redemption yield formulae. Also, bonds, onshore and offshore. I always struggled with that, and the CII keep asking the questions! Other than that, I w…
  • I know how you felt James - I had this exact same feeling with R02: I really thought I was going to fail the exam as the questions were completely different to any I had seen before (I was able to use the Aviva exam guides as this was 3 years ago no…
  • The Expert Pensions AF4 is touted as the best study aid in the marketplace currently. I have no idea whether this is the case, but Michael Pashley (who has recently moved on from EP) still rates it. I will be using them when I get through AF7 an…
  • It's been suggested to me that I might be able to include this in my proposition. Then someone else said they thought I may need an additional qualification over and above my diploma to do this. Quite apart from the fact that I haven't got a clu…
  • I use Calibri 11 too. I changed from Arial when Microsoft changed
  • @arongunningham I completely agree with you; I'm sure that I am not the only one on here who has to have a chat with their car insurance providers who are magically able to reduce your premium when you call! I used to work for the annuity provide…
  • And don't forget to call them up to see if you can get an improved rate. I spoke to a provider and was able to get an additional £450 per year for our client.
  • If you're an in-house paraplanner and your adviser has Cashcalc you can have a paraplanner licence for free. I don't know if other solutions include this option, but I know they compare very favourably with Voyant in terms of pricing
  • I went to a few study sessions run by Sussex CII (John Traynor), of which R04 was one of them. You do have to slog through an awful CII book but I found the study days to be really helpful. They're really good value as well, and you meet some inte…
  • J05 is similar to R04; it's just written instead of multiple choice. Written exams are scary after such a long time of not doing them but a good way to ease you into AF exams, if that is your goal
  • I wouldn't suggest my option but I can help with past papers if you need them
  • I did J05 and AF7 on consecutive days in October as there is a fair amount of overlap in the 2 subjects, but I wouldn't recommend it for 2 AF exams. I am sure there are people who do manage it but I would prefer to concentrate on getting through on…
  • I sat AF7 in October and resat in April. I've been doing pensions exams immediately prior (R04/J05) and as that is a large proportion of my work my plan is AF8 next, then AF4 and finally AF5, which should give me the points I need for chartered. E…
  • I found the exemplar: https://www.cii.co.uk/media/7774412/af8_retirement_income_planning_exemplar-v6.pdf That's very few words for an assignment!
  • @richallum https://www.nsandi-adviser.com/ Freshly opened today!
  • I have 7 past papers (2 from 2016, 3 from 2017 and 2 from 2018) which I can send you if you like? Only the 2016 papers have model answers though
  • NS&I?
  • To be fair, if you want the whole study text, you may as well pay for it (or get your employer to). The thought of spending hours snipping pages and printing them one by one would drive me to drink!
  • It's not free. It's something through Standards International, and I don't think it's accredited by a recognised body (eg CII/CISI). Michelle Hoskin is the founder and director so she is probably the best person to ask (but not if you want an unbi…
  • There is a RIY calculator on FE Analytics as well
  • Oh dear - can you remember what they were about?
  • Congratulations - I've been told it is one of the harder exams (this from one of the invigilators at the exam centre).
  • When you read the CII book, remember that the most important part is the objectives at the start of each chapter. It helps to focus on the syllabus and course objectives, so if you can achieve the points as explained, you will be fine
  • I would suggest reading that then and use the third party resources to supplement and consolidate your learning. Boring though the study texts are, you do actually learn stuff from them, and as the exams are based on them it is probably a good idea…
  • If you use Intelligent Office you can share using the PFP. I don't know if it's an addon or included though