Additional factfind questions

Question 1

Additional Factfinding questions

Answer 1

Other important information
* What NRB is available to Tom’s mother
* Have Tom and Sally set up LPAs
* Was Noah entitled to CTF, as he was born in 2011, but unclear the date he was born
* Does Amelia still have a CTF or was it transferred to a JISA
* What type of sports do Tom and Sally play and are any of them hazardous or dangerous

Work
* How long is Sally’s probationary period

University costs
* What type of cost would Tom and Sally support? Accommodation, tuition, food?
* Will Tom and Sally expect Emelia and Noah to applying for any maintance grants, scholarships or student loans in addition to their support on university costs?
*

Deposits and savings
* When does the fix interest end
* Is there a penalty to transfer out or withdraw from it

Investment

Pension suitablity add Q’s
* Are there penalties to transfer out of Sally’s WPS deferred pension
* Has Sally nominated Tom on her WPS deferred penson nomination form
* What are Tom and Sally’s contribution history and have they used any carry forward
* Do they want a lump sum in retirement
* Do they want a guaranteed or secure income
* What is Toma and Sallys current tax position in the future
* What is the assumed growth rate, or the growth rate they hope to achieve/have
* What are the performance and returns of the existing pensions
* What are the costs and charges associated with their pensions and funds