Professional Qualifications
P&P Invest understand the importance of high quality financial advice. The firm has instigated an ongoing training programme to ensure a high level of competency and up-to-date knowledge.
The level of expertise offered within the firm is significantly above the average and is recognised in particular by Philip Pearson achieving the Advanced Financial Planning Certificate.
In obtaining this industry-recognised qualification he holds the following Advanced Papers
Advanced Financial Planning Certificate.
- Pension Planning (AF3)
- Pension Simplification (CF9)
- Tax and Trusts (G10)
- Personal Investment Planning (G20)
- Investment Portfolio Management (G70)
- Retirement Options (K10)
- Pension Investment Options (K20)
Accredited Papers
AF3 Pension Planning
Objective: To develop in depth financial planning skills related to personal and corporate pensions.
- HM Revenue & Customs tax regime for pensions;
- Legal framework of pensions;
- Legacy issues arising from the previous regime;
- Features and risks of defined contributions and defined benefit pension schemes;
- State retirement benefits;
- Choices facing early leavers, transfer value analysis and transfer advice;
- Various options for drawing income – their features, risks and tax treatment;
- Different needs and solutions available to personal and corporate customers.
CF9 Pension Simplification
Objective: Understand the new Her Majesty’s Revenue and Customs (HMRC) pension regime (previously known as ‘Inland Revenue’); range of permitted investments; retirement options available; transitional protections available.
This unit covers the Understanding of:
- Main structure of the new HMRC pensions regime;
- Range of permitted investments, their underlying risk factors and their application;
- Retirement options available, including their main features, risks and their application;
- Transitional protections available, including the procedures for claiming these protections.
G10 Taxation and trusts
Objective: To develop not only a knowledge of the UK tax system and the law and practice of trusts, but also an ability to advise individual clients on the tax treatment of their investments and the use of trusts to meet their current and foreseeable future needs.
This unit covers:
- personal taxes
- tax planning aspects
- investments
- inheritance tax
- calculation of tax liabilities
- the essentials of a trust
- statutory trusts
- non-statutory trusts
- trustees
- trust assets
- suitable trusts for different circumstances
- tax implications of trusts
- tax calculations for trusts
- insurance policies under trust
- power of attorney
- pensions
- unit trusts
G20 Personal investment planning
Objective: To develop a fuller knowledge of investments and an ability to advise individual clients on the construction of investment portfolios to meet both their current and foreseeable future needs.
This unit covers:
- fundamental principles of portfolio construction
- investments
- collecting and analysing client data
- practical application of personal investment planning
G70 Investment portfolio management
Objective: To develop understanding of investment portfolio management so that they can:
- describe investment markets and the main types of financial investments;
- explain how investment markets are affected by economic, technological and political conditions;
- explain the theory and practical implications of investment risk and portfolio theory;
- evaluate the success of investment strategies and asset allocation models; and
- describe the regulatory requirements for investment portfolio management.
- This unit covers:
- the economic environment
- direct financial investments
- collective investments and investment trusts
- other investments
- interpretation of accounts
- dealing in investment markets
- portfolio design
- fund management services
- performance assessment and financial calculations
- regulatory environment
K10 Retirement options
Objective: To develop a knowledge of retirement options and to develop the candidate’s ability to:
- understand the range of income generating options which are available to an individual in the period immediately before, at or in retirement;
- apply the knowledge to retirement planning situations;
- develop knowledge and understanding applicable to those providing financial advice to clients on their retirement options; and
- be aware of market developments and any regulatory and legislative changes.
This unit covers:
- retirement
- annuities
- occupational pension schemes
- pension funding alternatives
- retirement funding alternatives
- regulatory environment
K20 Pension investment options
Objective: To develop a knowledge of pension investment options and their ability to:
- know and understand the range of investments available for planning of pensions both pre- and post-vesting;
- highlight the potential advantages and disadvantages of each type of investment;
- know and understand the suitability of each type of investment to an individual’s circumstances; and
- comment on and be able to apply the construction of a pension portfolio and pension portfolio management for a client.
This unit covers:
- client profile
- investment options
- investment advice
- client portfolio
- regulatory environment
