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Curtis Banks – Flexible Family Trust

Curtis Banks – Flexible Family Trust

Type: Group self-invested personal pension

Minimum group size: One

Minimum investment: No minimum

Investment choice: All investment funds, exchange traded funds, bonds, government securities, shares, cash deposits and other assets approved for investment by HM Revenue & Customs, including commercial property

Options: Scheme pension, unsecured pension, alternatively secured pension

Charges: Set-up fee £200 each member, annual fee £445, additional member fee £150, transfers out £150, same day CHAPS payments £10, in specie transactions £250, additional charges for property transactions and benefit payments

Commission: Agreed between adviser and client

Tel: 0117 9107910


The return of securitisation

Lloyds Banking Group’s oversubscribed £4bn securitisation last week has been welcomed as a positive sign of investor confidence returning.

Define and deliver

I started thinking why so many people were getting flustered about the RDR. It occurred to me that those firms which are already very client-focused and offer excellent client service with a proper remuneration structure and good qualifications are not really going to be too affected by the RDR. It is not going to make such a massive difference to their businesses as they are not likely to go through any kind of upheaval or transition in order to be RDR-ready.


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