Are you over 18 and want to see adult content?
More Annotations
![A complete backup of http://sur.ly/i/playdaddy.com/](https://www.archivebay.com/archive6/images/441a5d2a-6c1b-4b6d-84c9-f5bd10c8f4d4.png)
A complete backup of http://sur.ly/i/playdaddy.com/
Are you over 18 and want to see adult content?
![A complete backup of https://fr.wikihow.com/recevoir-des-invit%C3%A9s](https://www.archivebay.com/archive6/images/0cf7a05d-9dc3-41b7-b00a-9ff802fc352c.png)
A complete backup of https://fr.wikihow.com/recevoir-des-invit%C3%A9s
Are you over 18 and want to see adult content?
![A complete backup of https://www.croxyproxy.net/_es/?__cpLangSet=1](https://www.archivebay.com/archive6/images/2961eff4-4709-4c17-871c-e030b0039306.png)
A complete backup of https://www.croxyproxy.net/_es/?__cpLangSet=1
Are you over 18 and want to see adult content?
![A complete backup of https://www.himemix.com/2021/03/no945_mitsuki1/](https://www.archivebay.com/archive6/images/03d493d2-64f5-4051-ba21-85404a12bb88.png)
A complete backup of https://www.himemix.com/2021/03/no945_mitsuki1/
Are you over 18 and want to see adult content?
![A complete backup of https://dramasq.com/cn180625/15.html](https://www.archivebay.com/archive6/images/56a8273c-908d-43ad-bcf2-58e47ec1e3de.png)
A complete backup of https://dramasq.com/cn180625/15.html
Are you over 18 and want to see adult content?
![A complete backup of http://www.wankerlab.com/](https://www.archivebay.com/archive6/images/d61528d5-7387-4fbe-aaf7-4b15360028d7.png)
A complete backup of http://www.wankerlab.com/
Are you over 18 and want to see adult content?
![A complete backup of http://dell-eipt-landingpage.azurewebsites.net/](https://www.archivebay.com/archive6/images/8eaf1951-f60e-4033-a3fe-911af12b5c1d.png)
A complete backup of http://dell-eipt-landingpage.azurewebsites.net/
Are you over 18 and want to see adult content?
Favourite Annotations
![A complete backup of www.spa.gov.sa/2041821](https://www.archivebay.com/archive2/9a84b42e-5d71-41a4-afdf-8492dd8a3d97.png)
A complete backup of www.spa.gov.sa/2041821
Are you over 18 and want to see adult content?
![A complete backup of sporza.be/nl/matches/voetbal/buitenland/eng/premier-league/2019-2020/regulier/28/tottenham-hotspur-wolverha](https://www.archivebay.com/archive2/f712f256-f1b0-4152-adda-842577559f13.png)
A complete backup of sporza.be/nl/matches/voetbal/buitenland/eng/premier-league/2019-2020/regulier/28/tottenham-hotspur-wolverha
Are you over 18 and want to see adult content?
![A complete backup of www.hln.be/sport/voetbal/buitenlands-voetbal/serie-a/live-mertens-begint-op-de-bank-tegen-torino-wordt-hij-](https://www.archivebay.com/archive2/75e8416a-304a-4965-afb0-1607ee59e894.png)
A complete backup of www.hln.be/sport/voetbal/buitenlands-voetbal/serie-a/live-mertens-begint-op-de-bank-tegen-torino-wordt-hij-
Are you over 18 and want to see adult content?
![A complete backup of www.demorgen.be/tv-cultuur/duffy-onthult-waarom-ze-in-2011-plots-stopte-met-zingen-ik-werd-gevangengehouden](https://www.archivebay.com/archive2/0a6c195e-02ab-4614-859d-ee9068b0f38f.png)
A complete backup of www.demorgen.be/tv-cultuur/duffy-onthult-waarom-ze-in-2011-plots-stopte-met-zingen-ik-werd-gevangengehouden
Are you over 18 and want to see adult content?
![A complete backup of www.nouvelobs.com/l-amerique-selon-trump/20200301.OBS25487/joe-biden-se-relance-en-caroline-du-sud-avant-le](https://www.archivebay.com/archive2/fb38865f-e4ab-484a-8cd1-380e972571d3.png)
A complete backup of www.nouvelobs.com/l-amerique-selon-trump/20200301.OBS25487/joe-biden-se-relance-en-caroline-du-sud-avant-le
Are you over 18 and want to see adult content?
![A complete backup of www.superhaber.tv/eskiya-dunyaya-hukumdar-olmaz-158-bolum-izle-eskiya-dunyaya-hukumdar-olmaz-son-bolum-izle](https://www.archivebay.com/archive2/9b677c59-d854-485b-9676-86c52929aafb.png)
A complete backup of www.superhaber.tv/eskiya-dunyaya-hukumdar-olmaz-158-bolum-izle-eskiya-dunyaya-hukumdar-olmaz-son-bolum-izle
Are you over 18 and want to see adult content?
![A complete backup of www.boerse-social.com/2020/03/02/atx-fruhmover_osterreichische_post_andritz_erste_group_rbi_facc_wienerberg](https://www.archivebay.com/archive2/d61207f7-7726-49c9-b675-2881b6d7477e.png)
A complete backup of www.boerse-social.com/2020/03/02/atx-fruhmover_osterreichische_post_andritz_erste_group_rbi_facc_wienerberg
Are you over 18 and want to see adult content?
![A complete backup of www.bbc.co.uk/sport/football/51532901](https://www.archivebay.com/archive2/122286f1-5eaf-49ab-a604-1d5ec076bc5f.png)
A complete backup of www.bbc.co.uk/sport/football/51532901
Are you over 18 and want to see adult content?
Text
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
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
PENSION TRANSFERS
As the largest Professional Body for the Financial Planning profession we continue to signpost good practice to firms and consumers alike. We have now updated our Good Practice Guide: A Practical Guide to Pension Transfers from Defined Benefit to Defined Contribution (September 2020) to reflect the above.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.
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
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
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
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
PENSION TRANSFERS
As the largest Professional Body for the Financial Planning profession we continue to signpost good practice to firms and consumers alike. We have now updated our Good Practice Guide: A Practical Guide to Pension Transfers from Defined Benefit to Defined Contribution (September 2020) to reflect the above.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.
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
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.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
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. 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.
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
PERSONAL PORTFOLIO BONDS At the 2016 Budget it was announced that the government would review the categories of permitted investments which could be held in a policy of life insurance, life annuity or capital redemption policy without it becoming taxable as a personal portfolio bond (PPB).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
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. 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.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. 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
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
PENSION TRANSFERS
As the largest Professional Body for the Financial Planning profession we continue to signpost good practice to firms and consumers alike. We have now updated our Good Practice Guide: A Practical Guide to Pension Transfers from Defined Benefit to Defined Contribution (September 2020) to reflect the above.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.
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
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
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
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
PENSION TRANSFERS
As the largest Professional Body for the Financial Planning profession we continue to signpost good practice to firms and consumers alike. We have now updated our Good Practice Guide: A Practical Guide to Pension Transfers from Defined Benefit to Defined Contribution (September 2020) to reflect the above.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.
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
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.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
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. 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.
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
PERSONAL PORTFOLIO BONDS At the 2016 Budget it was announced that the government would review the categories of permitted investments which could be held in a policy of life insurance, life annuity or capital redemption policy without it becoming taxable as a personal portfolio bond (PPB).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
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. 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.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. 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. 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. 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.
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
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. 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. 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. 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
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 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
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 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
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 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
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 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
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. 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. 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 By using and browsing the PFS website, you consent to cookies being used in accordance with our policy.If you do not consent, you are always free to disable cookies if your browser permits, although doing so may interfere with your use of some of our sites or services. 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 helps consumers better understand what good advice looks like and where they can find it, we believe it will represent significant progress towards avoiding a repeat of negative events such as the British Steel debacle of 2018. CHARTERED MEMBERSHIP By using and browsing the PFS website, you consent to cookies being used in accordance with our policy.If you do not consent, you are always free to disable cookies if your browser permits, although doing so may interfere with your use of some of our sites or services.EDUCATION CHAMPIONS
By using and browsing the PFS website, you consent to cookies being used in accordance with our policy.If you do not consent, you are always free to disable cookies if your browser permits, although doing so may interfere with your use of some of our sites or services. PERSONAL PORTFOLIO BONDS At the 2016 Budget it was announced that the government would review the categories of permitted investments which could be held in a policy of life insurance, life annuity or capital redemption policy without it becoming taxable as a personal portfolio bond (PPB). 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. DRAWDOWN PLANNING AND THE LIFETIME ALLOWANCE TESTSUK LIFETIME ALLOWANCE PENSIONANNUAL ALLOWANCE CHARGEANNUAL PENSION ALLOWANCEANNUAL PENSION ALLOWANCE UKPENSION ALLOWANCE UKTAX FREE PENSION ALLOWANCE This document is believed to be accurate but is not intended as a basis of knowledge upon which advice can be given. Neither the author (personal or corporate), the CII group, local institute or Society, or any of the officers or employees of those organisations accept any responsibility for any loss occasioned to any person acting or refraining from action as a result of the data or opinions 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 By using and browsing the PFS website, you consent to cookies being used in accordance with our policy.If you do not consent, you are always free to disable cookies if your browser permits, although doing so may interfere with your use of some of our sites or services. 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 helps consumers better understand what good advice looks like and where they can find it, we believe it will represent significant progress towards avoiding a repeat of negative events such as the British Steel debacle of 2018. CHARTERED MEMBERSHIP By using and browsing the PFS website, you consent to cookies being used in accordance with our policy.If you do not consent, you are always free to disable cookies if your browser permits, although doing so may interfere with your use of some of our sites or services.EDUCATION CHAMPIONS
By using and browsing the PFS website, you consent to cookies being used in accordance with our policy.If you do not consent, you are always free to disable cookies if your browser permits, although doing so may interfere with your use of some of our sites or services. PERSONAL PORTFOLIO BONDS At the 2016 Budget it was announced that the government would review the categories of permitted investments which could be held in a policy of life insurance, life annuity or capital redemption policy without it becoming taxable as a personal portfolio bond (PPB). 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. DRAWDOWN PLANNING AND THE LIFETIME ALLOWANCE TESTSUK LIFETIME ALLOWANCE PENSIONANNUAL ALLOWANCE CHARGEANNUAL PENSION ALLOWANCEANNUAL PENSION ALLOWANCE UKPENSION ALLOWANCE UKTAX FREE PENSION ALLOWANCE This document is believed to be accurate but is not intended as a basis of knowledge upon which advice can be given. Neither the author (personal or corporate), the CII group, local institute or Society, or any of the officers or employees of those organisations accept any responsibility for any loss occasioned to any person acting or refraining from action as a result of the data or opinions 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) By using and browsing the PFS website, you consent to cookies being used in accordance with our policy.If you do not consent, you are always free to disable cookies if your browser permits, although doing so may interfere with your use of some of our sites or services. BACKSTAGE WITH KEITH RICHARDS By using and browsing the PFS website, you consent to cookies being used in accordance with our policy.If you do not consent, you are always free to disable cookies if your browser permits, although doing so may interfere with your use of some of our sites or services.DESIGNATIONS
Completing one of our qualifications is universally recognised as evidence of knowledge and technical expertise. It’s a mark of achievement you should be proud of and our designations enable you to promote your technical competence and ongoing commitment to professional standards with pride. WHAT IS OPEN FINANCE? A Call for Input was recently announced by the Financial Conduct Authority (FCA) into open finance .Using open banking as its model, this is an emerging market that came into place in September 2019 .It enables customers to consent to third-party providers (TPP) accessing their payment account information and or making payments ontheir behalf.
EDUCATION CHAMPIONS
By using and browsing the PFS website, you consent to cookies being used in accordance with our policy.If you do not consent, you are always free to disable cookies if your browser permits, although doing so may interfere with your use of some of our sites or services. 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 through INSURER CLAIMS PROCESSES The point at which a person needs to make a claim on a protection policy is the point at which the insurer will really show their spots. If the process is simple, quick and as stress free as possible the whole industry shines. GETTING YOU STARTED IN PARAPLANNING 4 Getting you started in paraplanning - September 2018 So you want to be in Financial Planning You’ve learned about Financial Planning andrather
INVESTING FOR CHILDREN PART 2 This document is believed to be accurate but is not intended as a basis of knowledge upon which advice can be given. Neither the author (personal or corporate), the CII group, local institute or Society, or any of the officers or employees of those organisations accept any responsibility for any loss occasioned to any person acting or refraining from action as a result of the data or opinions PFS WEBINAR: PFS MONTHLY MEDLEY Contact us. Personal Finance Society. 42-48 High Road . South Woodford . London. E18 2JP . Tel: +44 (0)20 8530 0852 Email: customer.serv@thepfs.org COOKIES ON THE PFS WEBSITE By using and browsing the PFS website, you consent to cookies being used in accordance with our policy. If
you do not consent, you are always free to disable cookies if your browser permits, although doing so may interfere with your use of some of our sites or services.Continue
Login
Sign up
0 Items in basket
Charter Insurance InstituteSearch My Basket0
* About us__
* What we do
* Governance
* Professional standards* Initiatives
* Membership__
* Join us
* Benefits
* Chartered
* Search
* SPS
* Support
* Regions
* Learning__
* Qualifications
* Learning content hub * Knowledge Services* News & insight__
* News
* Publications
* Media
* Coronavirus hub
* Events__
* Regional conferences* Chartered
* Annual conference
* Personal Finance Awards* Login
* Sign up
POWERING PROFESSIONAL STANDARDS Updates on coronavirus (COVID-19)__
LATEST ARTICLES
21 April 2020
TECHNICAL NEWS UPDATE 02/04/2020 Update from 2 April 2020 to 15 April 202021 April 2020
THE IMPORTANCE OF DEALING WITH ANY OUTSTANDING LOAN UNDER A LOAN TRUST Our earlier article explained how a loan trust can be an effective estate planning solution for many clients. In this article we focus on the importance of dealing with any outstanding loan under a loantrust.
21 April 2020
COVID-19 SUPPORT MEASURES AND PENSION CONTRIBUTIONS The COVID-19 restrictions will mean that many people and businesses will have seen dramatic changes in their income levels. A series of support measures have been introduced and here we look at how these interact with employer’s automatic enrolment duties and individual’s pension contribution levels.21 April 2020
BACKSTAGE WITH KEITH RICHARDS – 21 APRIL 2020 During a crisis we often see the best in people shine through. The past week has been no exception with armed forces veteran Captain Tom Moore at the fine age of 99 raising over £27m for the NHS, warming the hearts of the nation in the process – outstanding!View
JOIN US
Standards. Professionalism. Trust.Become a member
QUALIFICATIONS
Progress through professional development.Study with us
LEARNING CONTENT HUB Good practice guides, audiovisual, lectures and more.Latest content
FIND OUT WHAT WE DO
For our members
For future professionalsFor corporates
For the public
* 1
* 2
* 3
FINANCIAL PLANNING HAS THE POWER TO CHANGE LIVES Come and read the latest articles on our POWER initiative website.Latest articles
THE PERKS AWAIT
Discover deals in travel, technology, eating out and much more. Plus, take advantage of TOTUM Pro, the new discount card for studentmembers.
Access Perks
FORCES MONEYPLAN NEEDS YOUR HELP We need more volunteers to dedicate a small amount of their time, knowledge and expertise to offer financial guidance to Armed Forces personnel and Veterans.Find out more
EXPLORE THE PERSONAL FINANCE SOCIETYEnter keywords
__ __
__ No Results Found
The Personal Finance Society is part of the Chartered InsuranceInstitute group.
Find out more
* Accessibility
* Privacy
* Terms & conditions* FAQs
* Contact
CONTACT US
Personal Finance Society42-48 High Road
South Woodford
London
E18 2JP
Tel: +44 (0)20 8530 0852 Email: customer.serv@thepfs.orgFOLLOW US
* YouTube
reserved.
Details
Copyright © 2024 ArchiveBay.com. All rights reserved. Terms of Use | Privacy Policy | DMCA | 2021 | Feedback | Advertising | RSS 2.0