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Paraplanning &
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Paraplanning & Admin Services
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Combined Annual and Drawdown review
Combined Annual and Drawdown review
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Combined Annual and Drawdown review
Meeting Date
Overview of Case
Client First Name
Client Last Name
Partner Name
Partner Email Address
Review Date
Have there been any changes to the following circumstances, and the date this changed?
e.g. Emergency reserves, decrease/increase, amount:
Financial situation
e.g. new mortgage, inheritance, amount:
Health and wellbeing
Life events
Significant change in expenditure, (amount):
Tax position:
Anything else?
Discussions around suitability of existing products and the performance, are these still achieving the client’s long term goals? Please provide explanation of your answer even if it’s yes.
JPA Note: Performance/Reviewing the details of this plan
Have there been any changes in their attitude towards investment risk or capacity for loss?
Please provide details for changes or no changes
Any requirements to re-balance/fund switch investments?
Please explain the reason for either Yes or No
What is the current portfolio?
Please detail the current portfolio.
Discussion around current investments, and the suitability of these:
Partner Note: Partner must add explanation why product remains suitable or unsuitable. If you have recommended that this plan is unsuitable, please explain why it is unsuitable, what you are going to do to rectify this and please confirm what new advice is to be considered; you should follow the internal replacements guidance.
Summary of financial goals
Do they have protection in place?
Yes
No
Does not wish to discuss
• If yes, does it meet their needs? And are they are in trust?
• If no, please provide a future meeting date to discuss this.
• If the client doesn’t wish to discuss, why?
Are there any other broader financial needs to review?
Mortgages & Equity Release
General Insurance
Wills
Power of Attorney
Estate Planning
Alternative Investments
Long Term Care
Does the client Assistance Process Apply?
Yes
No
If yes, did a third party attend?
Yes
No
Do they have Online access to the accounts that they hold with us?
Yes
No
If no would they like to?
Yes
No
Term
What is the clients objective?
Continue to receive income
No income required
Wishes to take an Annuity
Are there any changes to client’s health which could make them eligible for an enhanced annuity?
Yes
No
Do the client’s objectives remain the same for their crystallised pot as when they entered drawdown?
Yes
No
Why are the above important to the client?
How will the client survive if the Investment doesn’t grow in value?
Do they rely on these funds?
Yes
No
What is the client Capacity for loss?
- Select -
Low
Moderate
High
Select all that apply (you must select at least one)
Your client has little net disposable income
Your client has a low scope to increase net disposable income due to high essential expenditure needs
Your client has minimal or no secure income
Your client has limited capital to invest
Your client is already significantly exposed to investment risk through other investments
Your client is primarily reliant on the income from these investments
Your clients existing emergency cash reserves will be rapidly exhausted if used to meet essential and discretionary expenditure
A fall in your clients investments will have a detrimental effect on their short term goals
Select all that apply (you must select at least one)
Your client has sufficient net disposable income providing with the ability to save
Your client has a well-diversified investment portfolio and is not exposed to stock market investments
Your client is not primarily reliant on the income from these investments
Your clients existing emergency cash reserves will not be rapidly exhausted if used to meet essential and discretionary expenditure
A significant fall in your clients investments would impact their short term financial goals but they have scope and are willing to adjust these accordingly
Select all that apply (you must select at least one)
Your client enjoys a substantial and secure income, providing them with the ability to save, improving their financial security
Your client demonstrates careful and thoughtful financial planning, and they have substantial disposable income
You client’s Financial reserves would not be exhausted for several years if used to meet their essential and discretionary expenditure
Your client has a well-diversified investment portfolio and is not exposed to stock market investments, and they have significant cash to invest
A significant fall in your clients’ investments would not impact their short term financial goals
Reason/s for above choice/s
What is your clients current investment knowledge and experience?
- Select -
No Knowledge & Experience
Limited
Moderate
Extensive
No Knowledge & Experience
Your client has not previously held investment outside of a bank, building society cash deposits or National savings and investment products
Limited
Your client has purchased self-selected individual shares and/or a packaged investment where no significant investment volatility has been experiences since acquiring the investments
Your client holds investments, however they have not made any active decisions, such as an inherited portfolio of shares etc
Your client has experience investing in small Stocks and Shares ISA etc
Your client holds investments in With-Profits funds only and have not therefore experienced investment volatility
Moderate
Your client has purchased self-selected individual shares, excluding employer company shares etc
Your client holds a workplace pension scheme and has chosen their own fund selection
Your client is invested in a pension scheme and has received advice to take some or all of their tax-free cash
Extensive
Your client regularly buys and sells shares or funds
Your client has purchased alternative types of investments rather than a packaged product
Your client has investment experience through their employment
Your client is classed as a professional client
Your client has purchased shares in young enterprise companies not yet registered on any stock exchange
Reason/s for above choice/s
Is there any new business that accompanies this review?
- Select -
No
Pension
ISA
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