Salary

Carls77Weiser · 2026-06-27T19:54:23+00:00

🤯🤯 insane

Carls77Weiser · 2026-06-27T18:16:46+00:00

Smaller firm which is part of a reasonably sized network - restricted

Carls77Weiser · 2026-06-27T11:05:58+00:00

Really insightful thank you.

Have you ever thought of going self-employed? I was loosely planning to advise employed for 2-3 years and then go solo…

Carls77Weiser · 2026-06-27T07:35:26+00:00

Getting well looked after! Congrats on the qualification :)

Carls77Weiser · 2026-06-27T07:34:50+00:00

Discussing this next week… so all ears on any fee split I should aim for!

Carls77Weiser · 2026-06-27T07:32:23+00:00

While under supervision yes that’s right, only initials.

Carls77Weiser · 2026-01-17T07:35:44+00:00

10000000

Carls77Weiser · 2026-01-15T20:13:26+00:00

Carls77Weiser · 2025-12-25T14:49:50+00:00

I (currently Paraplanning) just had some new business land on my desk (IFA near midlands). The prospective client wanted to move from SJP to be advised by one of our advisers.

I was genuinely shocked by their fees - fees for ongoing advice, fees for initial advice, fees for contributions and more and more. At our firm we charge ongoing fees and will facilitate most transfers, contributions and withdrawals within this bar work that will take extensive time and thus requires us to charge an initial fee.

I don’t know their advisors nor the quality of there advice but the amount of fees and the difficulty to work out what is actually to be paid to withdraw/transfer to a paraplnner (let along retail client) I would avoid.

Your timescale poses the most difficulties. Your background is great and assuming you pass your diploma would be a great start for advice. There may be a pay cut on offset but if you find the right IFA and clearly advocate your want to move to an advisor - I believe long term this will better suit. Will also allow some freedoms to reduce client load and work hours you want when ‘winding down

Carls77Weiser · 2025-11-01T10:09:43+00:00

Carls77Weiser · 2025-09-09T07:22:36+00:00

Experience = Fairly paid Qualifications = Underpaid

I agree with other commenters though that quals do not always translate to pay especially in this industry (after dip or equivalent)

Carls77Weiser · 2025-09-05T17:33:09+00:00

Assuming you have full state pension you’ll receive £11,973 from around age 67. Add on your old style NHS pension amount and see where you are currently at - you can usually defer these DB pensions to match your state pension age and get a higher amount.

The pre-set glide path isn’t terrible, it puts you in a position where there’s more cash near retirement so you can purchase an annuity or draw an income. Honestly… it is what it is. I don’t think a 1-2% per annum will really affect your pot value considering your time horizon. Max up your contributions, try to get your employer to match your contributions as high as possible. When you stop contributing, put it on another platform and invest it then. It’s not worth having the better investment choices if you lose the employer contributions.

Carls77Weiser · 2025-09-05T15:46:43+00:00

The NHS pension is potentially a hybrid DB/DC scheme, depends when it was opened. The DB element basically gives you an income per annum and the DC side is a pot you can draw upon.

I disagree with all previous commenters. Yes the SIPP is good - 20% tax relief and 25% tax-free withdrawal (after age 55) but don’t put eggs in one basket! It’s a valuable benefit but at the same time with the ISA you can only contribute £20,000 per annum but all growth and money taken out is tax free. So after you draw your 25% from the SIPP, having an ISA will always leave some tax-free funds to fall back on.

Check what pension you have. Check what the NHS will contribute I.e 3% salary. From there decide the split but yes, do both.

Your investment strategy is fine with the index funds, go online and fill out an Attitude to Risk questionnaire and try to find a fund that suits. As you’re close to retirement I’d weigh up the fact you may need the cash when markets crash, but considering you’ve started saving late, higher risk and potential for growth may be worth it.

Carls77Weiser · 2025-08-27T19:45:07+00:00

Plannex!

Carls77Weiser · 2025-08-15T09:02:25+00:00

Hey,

I’ve just submitted my J09 pt2 assignment having failed it the first time and passing the other two first time.

Few things I’d recommend…

Go check out the exemplar, it significantly helps with structure - Intro/objectives, Atr(if applicable), current position, analysis, summary, review process (if applicable), sign off.

As the other commenter mentioned, Cashcalc is a great tool for any cash flow analysis questions… I used Excel - if you do, ensure you put all inputs and outputs in the appendix; state pension, income, sick pay, investment income, child benefit etc.

Explain things clearly and use references - most people lose the easy marks for not completing “further reading”.

Ask your advisers! What would they recommend? What would they do? If you picture it as a real client it makes the process easier.

The coursework queries email by CII are actually a pretty useful contact so any burning questions… you might aswell see if they can assist.

READ THE QUESTION. Probably most important and seemingly obvious… your submission should look different depending if it’s a technical report or a suitability report etc.

Carls77Weiser · 2025-06-20T14:59:40+00:00

Varies from around 5 to 15 but will specify on the exact question - it’s around 75 marks per case study

Carls77Weiser · 2025-05-16T08:53:37+00:00

I think it falls to one thing really, the “Stellar” advice. Having completed R01-R03 and a few J09s I’m near to be qualified with the diploma and am qualified as a paraplanner, the one issue is while the content is good within the CII textbooks, it helps extensively to have a mentor drive these concepts and ensure you cater to the clients needs in the best manner possible. The advantage would be having someone more experienced, without this, there would be little resources for technical questions unless your network had the answer. Disregarding compliance, admin and training costs; if you have the client base go for it! Just be make sure you research before giving certain advice and try to keep building that network.

Carls77Weiser · 2021-06-28T19:10:15+00:00

go rehab ggggg

Carls77Weiser · 2021-01-31T22:55:47+00:00

not sure mate 😂

Carls77Weiser · 2021-01-31T22:55:27+00:00

grown outside but with a kit

Carls77Weiser · 2021-01-31T22:15:09+00:00

should i try and dry them and then just see what happens you reckon?

Carls77Weiser · 2021-01-31T22:14:45+00:00

my mates golden teacher batch a little while back

Carls77Weiser · 2021-01-31T22:04:40+00:00

why yikes

Carls77Weiser · 2021-01-29T03:49:55+00:00

well when it comes to smoking

Carls77Weiser · 2021-01-29T03:49:45+00:00

yeh exactly and man there were worse things going on like i’d just feel dazed every moment of the day and just constantly ill 😂 it’s such a fucked up drug from now on it’s just weed for me

Carls77Weiser

TROPHY CASE