Experience

Leabold Financial Management Limited

• United Kingdom
• Financial Services
• 1 - 100 Employee

• Paraplanner / Pension Transfer Specialist

  • Nov 2022 - Present



Pension Works

• United Kingdom
• Financial Services
• 1 - 100 Employee

• IFA / Pension Transfer Specialist

  • Jul 2021 - Nov 2022

  Independent Financial Adviser providing advice on Defined Benefit Pension Transfers. Independent Financial Adviser providing advice on Defined Benefit Pension Transfers.



Self Employed

• Home Based

• Self Employed Paraplanner - Pensions Specialist (including DB transfers)

  • Feb 2017 - Jul 2021

  Self Employed Paraplanner working primarily with St. James's Place Partners and Independent Financial Advisers. Specialist in Defined Benefit Pension transfers, Pension Switching and Investments. I also have experience of the Openwork network as well as True Potential. Self Employed Paraplanner working primarily with St. James's Place Partners and Independent Financial Advisers. Specialist in Defined Benefit Pension transfers, Pension Switching and Investments. I also have experience of the Openwork network as well as True Potential.



Millfield Wealth

• United Kingdom
• Financial Services
• 1 - 100 Employee

• Financial Adviser

  • Feb 2018 - Mar 2021

  Defined Benefit Pension Transfer Advice Specialist Defined Benefit Pension Transfer Advice Specialist



Equiniti

• United Kingdom
• Financial Services
• 700 & Above Employee

• Complaints QA

  • Apr 2016 - Jun 2017

  QA for Payday Loans Complaints QA for Payday Loans Complaints



The Openwork Partnership

• United Kingdom
• Financial Services
• 400 - 500 Employee

• Technical Report Writer

  • Mar 2015 - Mar 2016

  Initially set up and launched department as new venture within the company, and devised processes and procedures in conjunction with the Project Manager. Wrote Suitability Reports for a broad spread of advice/product types: Drawdown (Flexi Access; Capped Drawdown) and UFPLS Pension transfers onto Platform Pension new contributions, including employer contributions ISA & UT new money and transfer to Platform Investment Bond Corporate investment as well as other niche products within the proposition (VCT; EIS; AIM ISA) Use of Voyant for Cash Flow Modelling. Required broad technical knowledge of all different areas of advice and Openwork’s Suitable Advice Framework. Built and maintained relationships with financial advisers within multi-tied network, as well as internal departments (Sales Quality, Compliance, Sales Process, Sales Development). Provided expert input to advisers to ensure quality of Report and Customer Outcome, challenging where necessary advice which may not adhere to Suitable Advice Framework. Engaged in transition of department to permanent members of staff, including training, oversight and Quality Monitoring of output, providing face to face feedback. Undertook field visits to advisers to coach on Suitability Report completion and related practices. Periodic attendance to adviser ‘Peer Group’ meetings to provide broad guidance on effective Suitability Report production. Show less



High Street Bank

• Investment Suitability Review

  • Sep 2013 - Nov 2014

  - Retrospective holistic suitability review of regulated investment advice given by Bank's own sales force.- Undertook separate project monitoring advice given by high-risk advisers following dismissal, to ensure compliance with Bank’s standards.- Review comprised advice given re: regular contribution & lump sum ISAs/OEICs/UTs; Structured Products; Investment Bonds.- Review of contemporaneous written information contained in sales files, in conjunction with information gathered through telephone-based interviews with customers to obtain their recollections.- Required to devise strategy for remediation in the event advice found to be unsuitable, to include data gathering to enable accurate calculation of redress.- Designated ‘Calculation Strategy Specialist’ – supported my peers in devising reasonable strategies for remediation. Show less

• Pension Transfer Review contract

  • Feb 2012 - Aug 2013

  - Review of advice to transfer Defined Benefit pension benefits.- Analysis of TVAS quotes produced by the Bank to ensure accuracy, undertaking remedial action where errors identified.- Analysis of Attitude to Risk to assess appropriateness.- Assessment of financial & personal circumstances to assess overall suitability of advice to transfer.- Managed side projects to assess advice to transfer to Personal Pension Plans of external provider and Stakeholders plans.- Devised and managed side project to re-review assessments made in earlier stages of project to ensure that outcomes complied with current procedures and assessment criteria.- Targeted environment for both productivity and quality – KPI targets met and exceeded throughout. Show less

• Regulated Complaint Handler: Investments, Pensions & Life

  • Jun 2010 - Feb 2012

  - End to end processing of regulated advice complaints (investigation, response and redress) across the Banking Group's Retail and Independent adviser network.- Investigation and resolution conducted in accordance with FSA Dispute Rules, TCF and FOS guidelines.- Calculation of redress required, plus issuing offer letter.- Investment advice (Investment Bonds, ISA/Unit Trusts, Structured Products, complex Discretionary Investment Portfolios)- Life products advice (Term Assurance, Critical Illness, Income Protection, Whole of Life).- Pension advice (Stakeholder, PPP, SIPP).- Adviser conduct complaints.- Undertook customer contact where appropriate, requiring excellent telephone manner and ability to empathise.- Provided feedback to individual advisers, and escalation to Sales Force line management in event of uphold decision where adviser deemed ‘at fault’.- Accurate maintenance of records to enable Root Cause Analysis.- Targeted environment for both productivity and quality – KPI targets met and exceeded throughout. Show less



KPMG

• Canada
• Accounting
• 700 & Above Employee

• Pension Switching Contract

  • Mar 2010 - Apr 2010

  - Review of pension switching advice provided by major IFA network - Included review of advice for both Investment Bond & Structured Products. - Targeted environment, also achieved 100% quality. - Review of pension switching advice provided by major IFA network - Included review of advice for both Investment Bond & Structured Products. - Targeted environment, also achieved 100% quality.



Legal & General Assurance Society

• Sales Quality Consultant

  • Nov 2006 - Nov 2009

  - Monitor the quality of advice provided by Business Partners and tied financial advisers against required standards, to include: Investments (ISAs, UTs, Investment Bonds and Structured Products); IHT (including Will Trusts, Loan Trusts and Discounted Gift Scheme); Protection (Term and Whole Of Life) and Pensions (SIPP and Stakeholder Pension) business. - Requirement to document findings and recommendations for remedial action. Recommendations were discussed with individual advisers, immediate line managers and more senior management where appropriate. - Provide advice and support to individual advisers throughout the sales process, including advice-related queries prior to submission stage. - Targeted environment for productivity and quality – KPI targets met and exceeded throughout. Show less