Stephen Heslegrave

R01 – Financial Services, Regulation and Ethics: Covers the UK financial services industry, regulation, and ethical considerations. Provides foundational knowledge of compliance and professional standards.

R02 – Investment Principles and Risk: Introduces key investment principles, asset classes, and risk factors. Builds understanding of how investments are matched to client needs.

R03 – Personal Taxation: Focuses on the UK tax system and how it applies to individuals. Equips advisers with the ability to assess clients’ tax liabilities and opportunities.

R04 – Pensions and Retirement Planning: Explores pension products, retirement planning strategies, and tax implications. Supports advising clients on building and accessing retirement income.

R05 – Financial Protection: Covers protection needs and products such as life insurance, income protection, and critical illness. Helps advisers recommend appropriate protection solutions.

R06 – Financial Planning Practice: A case study-based unit that applies knowledge from other modules. Tests the ability to construct and justify holistic financial planning recommendations.

J02 – Trusts: Explores the role and legal principles of trusts in financial planning. Covers trust types, taxation, and suitability for client objectives.

AF1 – Personal Tax and Trust Planning: A higher-level unit integrating personal taxation and trust knowledge. Prepares advisers to deliver comprehensive, tax-efficient financial strategies.

AF8 – Retirement Income Planning: A higher-level unit focused on retirement income options and strategies. Covers complex client needs, including drawdown, annuities, and tax-efficient planning.