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Welcome back…

From the LifeTalk forum this week:

Darren and 62 others: What are the current going rates of pay for an administrator? Click…

Siobhan and 16 others: I am trying to set up a fixed term annuity, money is coming from a transact pension which originated from a pension sharing order. I am told she cannot set up a fixed rate annuity by both CL and L&G because the money has originated from a pension sharing order. Any ideas why this is? Click…

"One of the most eye-opening webinars that I have attended for a while." 
James, Financial Planner, Bristol

Yesterday's Introduction to AI for Financial Advisers webinar has had a fantastic response, so recipients of LifeTalk Insider might find it useful. It also included a demo of how to use AI to help with your R0 exams…

"Many thanks Phil for a fantastic presentation which was both clear and informative." David, Financial Adviser

“It was a fantastic webinar, a real eye opener!” Financial Planner, Loughborough

Available on Spotify and YouTube:

https://youtu.be/vlpVBiC1Hmw Let us know if you would like this training personalised and delivered for your team.

https://podcasters.spotify.com/pod/show/philip-calvert

Kevin: Talking to a local accountant and we are planning to prepare a short document resource (a page or 2) covering basics of pension planning benefits for self-employed and business owners. Then co-brand it for the accountant to issue to clients. Has anyone done something similar to this? Click…

Robyn and 10 others: I have an unmarried long term couple splitting up. They own a property together (main residence). He is moving out and she is staying in the main residence. She was the breadwinner and they have agreed he will remove himself from the deeds and simultaneously she will buy him a property as a separation settlement. Question…

Dominic: ‘Tis the season of inflationary license notifications… adviser software costs continue to rise. What’s the biggest increase you have had so far? Click…

Simon and 9 others: I have a relatively new client with a unit of offices that he bought in his Sipp some time ago. He has never been able to find tenants with any success and hasn’t been able to sell, so the space lies dormant. Just wondered if anybody had come across this before and was a solution found? Click…

Christopher and 15 others: A J Bell are apparently not taking on new property purchases. Client family have 4 SIPPs with them with 2 properties (trading premises for their business) and they want to buy another. successful growing biz. I have asked A J Bell to check for these clients but in anticipation of the answer being no, any bright ideas? They want to borrow so they need the current property values but it will be a costly exercise and a pain to move the current ones to new SIPPs. They are thinking of a SSAS but this is likely to take too long.

So, I am looking for good SIPP providers but also thoughts on SSAS administrators and comments on current time frame to register a new scheme - any other helpful comments! Click…

Ian and 22 others: Talk to me about who we are using for a small property SIPP - moving clients away from James Haye, probably worst company I’ve ever had dealings with! Purchase Price of Industrial Unit - £115k, Pension £85k, Borrowing £40k. Speaking with a couple of providers but interested to hear who people have had a good experience with. Click…

LifeTalk member and 21 others: Can anyone recommend an IFA network? We are a medium sized firm looking to explore our options. Click…

Dylan and 12 others: I have a business owner client with too much cash in his business bank account earning nothing! Is there a plan or account out there which would potentially offer higher interest? Click…

Lindsay and 25 others: Swotting up on CGT. The consensus is where possible take all charges from a GIA if GIA and ISA together on platform for tax efficiency. However I’ve just read professional fees cannot be offset from gain ? So surely no tax advantage. Am I missing something? Click…

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