We are recruiting professionally minded individuals who are looking for a career change. We are looking for people to join us to train to become Mortgage and Protection Advisers, and for those who have the drive and ambition, we will help and support them to become fully qualified Financial Advisers.
Join our team and you will be enrolled into our own in-house training academy and we will help you study for your professional qualifications to become a fully qualified Financial Adviser. Our Business Development Manager will support you to establish a client bank and you will gain valuable experience from our MD and our team of expert Advisers.
You will be assisted by our experienced support staff providing: Administration, Paraplanning, Compliance, Marketing and Appointment Making.
This is a wonderful opportunity for individuals who are ready to make a career change.
More congratulations are in order for Mortgage & Protection Adviser, Emily Walker and Paraplanner, Lily Jackson who have passed another examination first time.
This latest examination is the Investment Principles & Risk qualification, leaving just one more examination to pass on their journey to achieve the Diploma in Professional Financial Advice. Once they have passed this final examination, they will have achieved the level required to become fully qualified financial advisers.
The Investment Principles & Risk syllabus covers all the main kinds of investments and associated risks as well as the tax treatment applying to each type of investment. The syllabus also covers the Advice Process, which included the obligations of a Financial Adviser and appropriate fact finding in order to make the appropriate investment recommendations. There are a number of different types of risk and Lily and Emily had to know all of them and demonstrate their knowledge in each area. They were also required to study investment performance, knowing how to evaluate a portfolio’s performance, as well as comparing an investment portfolio against a suitable benchmark. They also had to study in depth the various factors that a fund manager has to take into account when selecting a particular stock.
Both Lily and Emily study independently, but both have stressed the benefit of studying and taking the exams at the same time.
Emily Walker said “The exam was quite mathematical, we had to show that we understood the use of equations and then use them during the exam to demonstrate our knowledge of things like calculating net asset value of a stock, dividend yield and so on. Doing the exam at the same time as Lily has been very helpful, because we have supported and motivated each other.”
Lily said “Motivating each other has been a massive help. On this syllabus there was a lot to learn. Although a sound knowledge of investment principles is required in my day-to-day role as a Paraplanner, passing this exam takes the knowledge required to another level.”
Lily is part of our in-house Paraplanning team who work along-side our financial advisers who give financial advice in Sutton Coldfield and the wider area.
Congratulations to both of you, and best wishes for success in your final exam which is the Case Study.
We are delighted to announce the engagement of Financial Adviser Ray Ceairns to his partner Georgie. Ray chose a wonderful location to pop-the-question, The Sky Garden at 20 Fenchurch Street in London, better known as the Walkie Talkie Building.
Ray kept this a secret right up to the moment of going down on one knee, even getting the assistance of the Security Guard at the building! Ray was able to speak to a group of ladies on the next table and they recorded the proposal on Ray’s phone. Georgie said yes and they have set a date to be married in September next year.
The couple have been together for 11 years, having been introduced by mutual friends. Georgie is a retired music teacher and cellist, she has played professionally and conducted children at the Royal Festival Hall on two occasions. Ray is one of our team of financial advisers who provide financial advice in Sutton Coldfield and across the Midlands region. He has been with the firm for three years.
We are very happy for Ray and Georgie and send our congratulations to them both.
Our financial advisers in Sutton Coldfield work with a wide range of clients who want to help younger members of their family financially, but also avoid potential tax pitfalls.
Younger people find it a struggle to get on the property ladder and look for help from parents and grand-parents. However, if you are thinking of giving money away you need to seek the advice of financial advisers in Sutton Coldfield, to ensure you don’t fall foul of tax rules.
The House of Lords Committee on Intergenerational Fairness and Provision recently quoted data from an April 2018 survey conducted by Douglas McWilliams, their report said that 27% of all UK house purchases were made with contributions from the older generation, with gifted lump sums averaging £5,000 to £6,000.
It is essential that you get advice from our qualified financial advisers in Sutton Coldfield, because you have an annual exemption for Inheritance Tax (IHT) purposes, which allows you to give away up to £3,000 each tax year. This allowance can be carried over to the next tax year meaning that you could potentially give away as a gift £6,000 without it affecting your estate’s IHT liability.
People are living longer, so it is becoming even more important to talk to financial advisers in Sutton Coldfield for a number of reasons. For example, inheritances may become available later in life, there is also the possibility of smaller inheritances or none at all because the older generation may need to use the funds themselves for care, or just to enjoy their retirement. Our financial advisers in Sutton Coldfield increasingly work with people to help them plan to fund the gap between the State Pension and what they need for a comfortable retirement. It is also important to say that we believe that financial planning is not all about retirement. You need to have a happy and fulfilled life throughout your life.
Inheritance Tax Planning is not regulated by the Financial Conduct Authority.
Tax treatment varies according to individual circumstances and is subject to change.
Tax Planning is not regulated by the Financial Conduct Authority.
Talk to our financial advisers in Sutton Coldfield or across the region about our Lifestyle Financial Planning. Your first meeting is at our cost and without obligation. We will always provide financial advice that is honest, open and transparent.
Life is full of unknowns, and most of us have questions about our financial future. Questions that many of our clients find difficult, or even impossible to answer.
How much money do I need for a comfortable retirement?
Will my money run out?
Can much can I afford to give to my children?
How would I be affected by a stock market crash or two?
The good news is we have the technology and the expertise to answer your questions, and do much more. Ask your Financial Adviser about Lifestyle Financial Planning. This is an extremely in-depth financial planning service we offer to our clients. We spend time getting to know you and your hopes, fears, dreams and aspirations. Then, using our knowledge and state-of-the-art software, we project your financial position from today to retirement and beyond.
This will reveal any shortfall you may have and we can put in place financial strategies to help you achieve your goals. Talk to your Financial Adviser about Lifestyle Financial Planning or make an appointment through our Client Liaison Team on 0121 323 2070 or email@example.com. Proving financial advice local to Lichfield and across the region.