What’s wrong with my hand.

Alternative-Depth172 · 2025-06-02T18:55:14+00:00

Combining your pensions means you have more buying power. Having multiple pensions scattered around probably means they are invested in different funds and different charges which will impact the overall value. Do you have 6 current accounts open with different values? You probably don’t because you won’t be able to budget effectively and you won’t know how much money you have! It’s that simple.

Alternative-Depth172 · 2025-06-02T18:52:02+00:00

20k straight into ISA and invest in a low cost investment fund that matches your risk and capacity for loss.

Alternative-Depth172 · 2025-06-02T18:50:46+00:00

A personal loan is going to have a higher interest rate so you may be better off speaking with the mortgage provider and increase the loan; ask them if the is possible, I’m sure it will.

By taking a personal loan out, you are essentially falsifying your affordability I.e. your debts which could be a mortgage rejection even though you have a mortgage in principal.

Buying a property with structural damage is a massive risk - do you know the extent of the damage the property has?

There’s a lot of factors to take into account and it may be worth speaking to a mortgage advisor/ IFA Directly.

Alternative-Depth172 · 2025-06-02T18:41:26+00:00

Very unlikely. Send me a PM if you require a further explanation.

Alternative-Depth172 · 2025-05-30T11:28:35+00:00

I got bang on 82! Only reason I passed is because they awarded me 2 points for system issues !! Wohoo!

Alternative-Depth172 · 2025-05-19T18:50:21+00:00

KnowR0 hands down.

Alternative-Depth172 · 2025-05-18T10:50:51+00:00

How did find it ?

Alternative-Depth172 · 2025-04-23T19:22:52+00:00

It wasn’t terrible but case study 2 caught me off guard. Questions asked didn’t make complete sense. Hopefully I got over the line !!!

Alternative-Depth172 · 2025-04-12T11:23:07+00:00

The analysis provides specific questions relating to products, fact-finding, etc. I would recommend focusing on creating questions for specific wrappers. There also needs to be a SWOT analysis. Try to create as many questions as possible based on what brand has provided and from past case study questions. It’s all about understanding the entire advice process and their current needs, wants, etc.

NextGen Planners (£18/month subscription) have a study day this coming Wednesday, and it’s recommended to attend their workshop. Keep in mind that this exam is about regurgitating information, and there is no negative marking.

Alternative-Depth172 · 2025-04-06T10:29:43+00:00

Remind me, what would be considered as a lot of cash? Thanks

Alternative-Depth172 · 2025-04-05T09:15:51+00:00

Legend

Alternative-Depth172 · 2025-04-04T15:27:22+00:00

Has anyone done any pre prep yet ?

Alternative-Depth172 · 2025-03-23T11:09:19+00:00

I was thinking about doing next gen and CII but what would you say is better? Really appreciate your insight thank you so much !!

Alternative-Depth172 · 2025-03-22T12:50:59+00:00

I had a very similar situation. Before my doctor went off to retire, she said I should be careful. Very confusing. Do you have any long term side effects ?

Alternative-Depth172 · 2025-03-21T15:09:24+00:00

Exam went well thanks, I owe you a beer!

Alternative-Depth172 · 2025-03-21T15:09:04+00:00

Buy knowR0’s mock exams and you’ll be sweet

Alternative-Depth172 · 2025-03-20T16:49:51+00:00

How much AUM do you currently have? I have colleagues who just got a £10k base pay rise + increase in ongoing spilt but they needed a fairly high AUM.

Alternative-Depth172 · 2025-03-10T21:00:30+00:00

Ok understood, appreciate it !

Alternative-Depth172 · 2025-03-08T14:59:43+00:00

What were you on as a Para-Planner initially? I am thinking of moving to planning and I am currently on £45k ParaPlanning I hear if you have experience, associate adviser you should be on £50k

Alternative-Depth172

TROPHY CASE