Industry news and views from Panacea and our partners.
Adviser Letter of the Week_
The Everyday
Sometimes the difference isn't in the policy, it's in the support that comes with it.
Reasons we might not be heading for a crash
Last week I gave many reasons we may well be headed for a big stock market crash. At the end of that article I wrote: Next time I will talk about how you might consider investing given what is going on.
Plain English Finance: Why crashes dont matter
Over my last two articles I have looked at whether or not I think a massive correction is coming in stock markets (and, by extension, other financial and property markets more generally).
Stinking badges 2
It is well documented how claims management companies have plagued the industry in recent years. Many of these have lied, cheated, deceived and generally operated in a base and underhand manner.
Sammedia: Increasing Client Engagement - a Lesson from Facebook
I joined Facebook in February 2007. My sister-in-law worked in media and told me about this new website everyone was joining. She sent me a friend request, I joined up and sent friend requests to a handful of friends and colleagues at work. They all signed up, then signed up their friends as well.
Video Killed the Radio Star, CPD and Gap Analysis
This update covers: 1. Video Killed the Radio Star 2. Accredited CPD System presentation 3. How do the gap analysis packages work and assist me with my studies?
Wizard Learning: Reasons to be apprenticed - trainee financial advisers
There are great reasons to become an apprentice, not least: Get straight to work and get paid Learn a profession Avoid student debt
Brexit smoke and mirrors.
Remain seem to have forgotten that the referendum has actually taken place and the BBC is still pushing their case for a second referendum.
Wizard Learning: News incl July R06 solution
This update covers: 1. R06 Expected Solution now available for the July exam 2. Testimonials 3. Discounts and free online learning skills course
Wizard Learning: Enhanced Diploma Package, Financial Planning Practice course, Paraplanner award
This update covers: 1. A new package that covers all the regulated Diploma material 2. Sample audiovisual presentation from our Financial Planning Practice course 3. Paraplanner of the Year Award - supported by Wizard Learning
Wizard Learning: R07, R06, AF5 and the Personal Savings Allowance
This update covers: 1. R07 Advanced mortgage advice - Gap Analysis and Assessment Tool 2. Expected solution packages for R06 and AF5 - start preparing now 3. Tax free interest - the Personal Savings Allowance
Wizard Learning: News: Revision, gap analysis and Learning to Learn
This update covers: 1. Building gap analysis assessments into your study and revision 2. Audiovisual presentation: revision techniques 3. How do the free Learning to Learn courses improve my learning skills?
Wizard Learning: AF5 and R06 solutions available, AF exam requirements
1. The expected solutions for the AF5 and R06 April exams are now available 2. CPD - Financial Services Compensation Scheme 3. Testimonials 4. Know what is required for AF1, AF2, AF3, AF4 and AF5
M&G Learning Matters Seminars: Majoring on the Macro
As macro-economic factors continue to contribute to and influence asset class returns, the need to understand, interpret and translate the possible effects into suitable client investment portfolios is ever present. To that end, M&G Investments have established a biannual round of nationwide workshops with the exclusive aim of providing timely, educational and product free global macro views. These will also be delivered in conjunction with other relevant topics.
FundsNetwork: Pension technical videos
FundsNetwork has produced a series of pension technical videos to help you brush up on your knowledge or prepare for your upcoming pension exams. Designed specifically to help you navigate the complexities of retirement planning, subjects include Death Benefits, Carry Forward, Annual and Lifetime Allowance.
Wizard Learning: CII exam pass rates - advanced diploma, diploma, regulated diploma
The CII have recently published their exam pass rates for 2015 and we have added them to our existing table below so that you can see the previous years rates as well. The rates are calculated based on the number of candidates who passed during the year divided by the number who sat the exam.
Wizard Learning: CII exam pass rates - advanced diploma, diploma, regulated diploma
The CII have recently published their exam pass rates for 2015 and we have added them to our existing table below so that you can see the previous years rates as well. The rates are calculated based on the number of candidates who passed during the year divided by the number who sat the exam.
Wizard Learning: Website news: CPD, Expected solutions R06 and AF5, pension reforms
1. CPD highlighted change 2. Information on training and CPD 3. Expected solution packages for April exams for R06 and AF5 - start preparing now 4. Pension Reforms and Industry Views from Panacea Adviser
Help wanted- AE or PP?
I would welcome your feedback on Auto Enrolment and in particular Opting Out i.e. a client who wishes to maintain or direct new contributions into a Personal Pension in preference to NEST. His employer is happy either way and the contributions would be circa 10% of salary, salary being £68K.
Wizard Learning: R06 expected solution available and accredited CPD
In this update we cover our R06 expected solution and our accredited CPD system. R06 Expected Solution now available for the January exam The Expected Solution is now available for immediate download. There are 35 pages of expert analysis for case study 1 and 26 pages for case study 2, as well as 14 pages of generic information on questions that may be asked.
Vitality: Help your clients save cash and get fit in the new year
Its the time of year for keeping (healthy) New Year resolutions! Justin Taurog tells us how it s easily done with our usual discounted Virgin Active Health Clubs membership and the overall benefits that come with choosing VitalityLife.
Brightalk Academy: Top 3 Webinars of 2015 for B2B Marketers
Here are our top three BrightTALK Academy webinars of 2015, designed to make your job as a B2B marketer easier and get the desired results from your marketing strategy
Wizard Learning Mobile site, expected solutions and R08
In this news update we cover: 1. New mobile friendly website 2. Expected solution packages for R06 for the January exam - start preparing now 3. Recent Addition: R08 Pensions update
Wizard Learning: How to get the most benefit out of using an assessment package
For the regulated diploma exams R01 to R05 we offer two modules, an online course and an assessment package. Students will select the module or modules that best fit their requirements and budget.
Wizard Learning: R08 Pensions update Gap Analysis and Assessment Tool
Our assessments are designed to help you revise, identify knowledge gaps for further study and to get practice on exam style questions for areas that you might be asked about in the exam. It includes numerous additional features to assist you with your revision and exam preparation.
Wizard Learning: R08 Pensions update assessments
We have now added the following R08 assessment package module to our website. You can view our full training directory here and the costs here.
IFA letter to the FCA
I logged in to the FCA Online Invoicing account on or about the 13th August when the email below was received from you. I keyed in it the comments highlighted below and am yet to have a response whatsoever.
Aegon: Welcome to the financial adviser training programme
Aegon provides Financial Adviser training in a variety of different channels. At local roadshows, tradeshows, conferences, online webinars and videos. We know your time is precious, so weve pulled together an overview for 2015. So you can choose when and where you keep up to date with us.
IFP/CISI Merger: A marriage made in heaven?
Last week the board of the Institute of Financial Planning started a 4 week consultation with its members in view of its proposed merger with the Chartered Institute of Securities and Investments.
Richard Bishop - Lecturer of Financial Services at Covenrty University College: Cleaning up the mess left by old school advisers
Its unquestionable, the financial services sector, post the retail distribution review (RDR) is producing better outcomes for clients. The cause of bad advice was, arguably, commission. Advisers fixated on short term, commission sales and dismissed their clients long term plans. Post RDR, providing valuable advice that produces consistent results over the long term, in order for clients to achieve their financial goals is the proposition of most prosperous firms.
Wizard Learning: R06 July 2015 expected solution available and accredited CPD
In this update we cover our R06 expected solution and our accredited CPD system. R06 Expected Solution now available for the July 2015 exam The Expected Solution is now available for immediate download. There are 31 pages of expert analysis for case study 1 and 34 pages for case study 2, as well as 14 pages of generic information on questions that may be asked.
Welcome to the BirthStar® CPD Research Series
Our research is designed to help advisers navigate the new retirement freedoms to target better outcomes for their clients. The BirthStar® Research Series papers are triple accredited by leading industry bodies - the IFP, PFS and PMI.
My Claim Solved complaint
I am dealing with two complaints from an ambulance chaser called My Claim Solved.
Bright Grey Income Protection. The forgotten cover
I joined the world of financial services almost 14 years ago when I was recruited as part of the team that would set up Bright Grey. In that time, weve seen a lot of change, some of it good, some of it bad. But one thing that never changes is the clients need for adequate protection cover. Regardless of what the economy does or whos calling the shots, people will still face the same risks to their income. So why, 14 years later, are we still pondering over the same huge protection gap? And why is income protection still the forgotten cover?
Wizard Learning: Training modules, R06 and AF5 solutions
1. Training modules and accredited CPD system You can view our Training Directory here and the cost of each module can be viewed here. 2. Expected solution packages for R06 and AF5 - start preparing now Purchase your expected solution package now and get access to many features to start preparing for the exam in advance of our expected solution being issued 7 days before the exam date.
Redland CPD Centre: CPD service for the Panacea Adviser community
RDR professionalism rules mean all advisers need to undertake a minimum of 35 hours CPD each year, 21 of which must be structured, designed to meet a particular learning outcome and capable of being independently verified.
Adviser reply of the week: How many more times must I hear that phrase "'hard working families". Please, please, please......stop!!
How many more times must I hear that phrase "'hard working families". Please, please, please......stop!!
E-mail from R M Brown - Insurance / Moneynotion Limited
Dont know if I am the only IFA who gets fed up with the number of survey calls, wanting to take 20 minutes of my time for no payment. Similarly I wont do a survey for Amazon vouchers, as I disagree strongly with that companys attitude to paying UK tax.
Royal London: Our new At Retirement tool will help you establish what income your client needs in retirement and demonstrate the options available to meet their needs.
Our new At Retirement tool will help you establish what income your client needs in retirement and demonstrate the options available to meet their needs.
Wizard Learning: Exam and qualification news incl R06 and AF5
In this news update we look at: 1. R06 and AF5 expected solutions for the April exams 2. Exam and qualification news 3. Business Evolution Guide