Srikanth RajgopalProfile

Achieving excellence in financial services is my aim and this determines my career goals and objectives. I am skilled in the areas of pension transfers, annuity broking, structured products, group risk products, IHT planning, long term care, life assurance bond investments, report writing, research, analysis, complaint handling and customer communications. I can write detailed financial planning reports using cashflow modelling, incorporating TVM calculations, via a set of linked Excel spreadsheets.

Qualifications

Chartered Insurance InstituteChartered Financial Planner Fellow of the Personal Finance SocietyMember of the Society of Mortgage ProfessionalsG10 Taxation & Trusts January 2001G20 Personal Investment Planning December 2004SV1 Savings & Investments August 2003G60 Pensions February 2000K10 Retirement Options

June 2004K20 Pension Investment Options April 2005CF9 Pensions Simplification April 2005JO4 Pension Funding Options April 2006JO5 Pension Income Options April 2006CF6 Mortgage Advice July 2005CF7 Lifetime Mortgage Activities July 2005HR1 Home Reversion Plans May 2007CF8 Long Term Care Insurance July 2005Financial Planning Certificate April 1997SOFA Training & Competence Supervisor’s Course May 2004Stakeholder Pensions Assignment 87% January 2003Pensions Management Institute Award in Pensions Trusteeship DC & DB Schemes March 2007

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Financial Adviser Certificate in Trustee Pensions Knowledge July 2003

Sheffield Hallam UniversityBA (Hons.) II(ii) Business & Management Studies 1992-95Open UniversityCertificate in Mathematics 2004Certificate in Science 2003

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Contract Experience

ParaplannerSt. James’s Place October 2015 to April 2016

Writing reports for pension transfers, flexi-access drawdown and investment planning.

Auto-Enrolment Pension analysis, selection and reports. Group Risk research and report writing. Cash flow modelling for lifetime financial planning. IHT product analysis, research and recommendation. Using St. James’s Place IT systems and research tools.

AdviserTowry Direct June 2015 to October 2015

Telephone based sales of pension annuities and ISAs to existing clients.

Used TOMAS annuity quotation system.

ParaplannerSanlam Wealth December 2013 to May 2015

Fixed term contractor employed until end of April. Preparing clients for the new freedoms in taking pension benefits. Report writing for High Net Worth clients associated with PKF

Littlejohn Chartered Accountants. Reports concentrating on business protection, investments and

pensions. Using the Sanlam Portal and experience of Accel Model Portfolios.

Senior Paraplanner2 Plan Wealth Management July 2013 to December 2013

Fixed term employed pensions and investment specialist. Investment report writing for all lump sum investments over

£250,000. Investment analysis of clients' existing portfolios using Analytics

and rebalancing where appropriate. Retirement income planning reports using both Capped and Flexible

Drawdown and Third Way products. IHT planning reports using Loan Trusts and Discount Gift Plans.

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ParaplannerBellpenny Financial Services February 2013 to May 2013

Project based contractor. Researching clients existing policies to identify potential new areas

of advice. Investigating Income Drawdown review clients and dealing

compliance issues. Report writing for clients with ISA and pensions portfolios. Systems used include: DT Dynamic Planner, Intelligent Office, FE

Analytics, Avelo Exchange, Synaptics, Capita wrap comparator, Ascentric Wrap Platform and Zurich Wrap and Fidelity FundsNetwork platform.

Senior ParaplannerVintage Financial Limited October 2012 to January 2013

Temporary consultant for pensions and investment work. Writing reports for transfers into SIPPs, GPP transfers and Business

Protection. Producing SIPP reports in conjunction with in-house Discretionary

Fund Manager and SIPPchoice Ltd. Income Drawdown and Annuity purchase report. Annual Allowance and Carry Forward calculations for NHS GPs and Dentists.

Key Person and Relevant Life report writing. Researching and selecting funds using FE Analytics. Using Adviser Office, Avelo Exchange, O&M Pensions Profiler. Using several wrap platforms including Transact, AVIVA, Cofunds,

FundsNetwork, Skandia Investment Solutions and AXA Elevate. Went to 2012 PFS Annual Conference in Birmingham and attended

pensions and IHT planning sessions.

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Technical & Compliance Support AdministratorHargreaves & Jones Ltd July 2011 to June 2012

Consultant for pensions and investment cases and also for compliance reporting to directors.

Using ‘Financial Analytics’ to research and develop different models for growth, income and balanced growth for client’ attitude to investment risk.

Establishing the portfolio of funds to be used. Using structured products were suitable.

Calculating the real yield of the selected funds to take into account the TER of the funds, adviser fee and allowing for inflation in order to give a real yield.

Dealing with all types of pensions advice and transfers. Investigating Defined Benefit pension transfers and writing compliant, detailed reports.

Advising on the suitability of income drawdown, third-way pension products, unit linked and with profits annuities and phased retirement.

Calculating tax free cash entitlement on s.32 contracts and EPPs using the former IR12 rules, as clients come to crystallize benefits, making sure that life offices are calculating entitlements correctly.

Analysing and researching clients’ pensions policies. Researching different pension contracts on ‘Select-a-Pension’ and understanding its advantages and limitations.

Obtaining BR19 forecasts for clients and discussing the results and advising to buy additional years where necessary and if applicable.

Calculating IHT liabilities. Researching and recommending appropriate products.

Products advised on included Discounted Gift Plans, Capital Redemption Bonds, Loan Trusts and Whole of Life Assurance policies. Ensuring that the products were placed under a suitable trust.

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Pensions ContractorLloyds Banking Group June 2010 to November 2010

Temporary pensions specialist contractor. Analysing and approving new business transfers into stakeholder

and non-stakeholder personal pensions. Researching past business pensions transfers into stakeholder personal pensions.

Completion of FSA Decision Tree to determine if a past business pension transfer was suitable.

Checking for and obtaining exact details of guaranteed annuity rates, guaranteed investment returns and all other types of guaranteed terms.

Detailed classification of with-profits pension contracts and analysis of their specific terms and conditions.

Investigating waiver of contribution benefit and other types of pension protection benefits.

Investigating transfers of occupational money purchase pension schemes into personal pensions and specifically calculating tax-free cash sum entitlement at ‘A-Day'.

Thorough investigation of pensions advice given to clients who are public sector employees such as NHS and Local Government staff.

Pensions Technical AdministratorHeartwood Wealth Management January 2008 to March 2008

Consultant working as a pensions and investment specialist. Writing suitability reports for HNW clients regarding their pension

options. Analysing the advantages and disadvantages of transferring into a

SIPP. Providing reports on the suitability of Unsecured Pension and ‘Third

Way Products’. Annuity purchase research and recommendation including

enhanced and impaired annuities and investment linked annuities. Completing BCE data on product providers’ application forms. Phased purchase of Unsecured Pension and Annuities over time. Comprehensive researching of client pension contracts for the

completion of HMRC APSS 200 Form. Producing own IR12 calculations appropriate to the correct regime

to verify the information given by scheme administrators for benefits as at ‘A Day’.

Designing and using my own spreadsheet to determine when the total income received from an index linked annuity exceeds a level annuity for a given rate of RPI.

Gathering ceding scheme information from several sources and checking policy documents for guaranteed annuity rates and investment returns.

Discussing with clients the assumptions and benchmarks to be used.

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ParaplannerBlackstone Moregate September 2007 to January 2008

Consultant working as a pensions and investment specialist. Pensions and IHT suitability report writing for a wide range of

clients. Ensuring pension policies and death in service benefits were under

a suitable discretionary trust. Selecting asset classes and researching and recommending funds

for each asset class selected and justifying my recommendations. Analysing Personal Pensions, s.32s and EPPs and advising clients on

the benefits of transferring into a SIPP to draw income through Unsecured Pension.

Dealing with and challenging life office EPP scheme administrators on the correct benefits accrued as at ‘A Day’ with respect to the correct regime under the former IR12.

Producing a compliant and thoroughly comprehensive Defined Benefit pension transfer TVAS report into a SIPP for a high transfer value.

Financial cash flow modelling of clients’ pensions and other financial assets to determine the funding level for pension contributions.

Researching different life office single premium investment bonds and providing a recommendation as to which bond to use together with an appropriate selection of funds, specific to an individual client.

IHT planning reports using Loan Trusts or Discounted Gift Plans and using ‘Rysaffe’ planning where appropriate.

Technical ConsultantPeter Neal Pensions LLP January 2007 to March 2007

Acted as a Pensions Transfer Specialist to provide holiday cover for the firm’s Principal.

Conducted Final Salary TVAS Reports and provided judgment on whether or not to transfer, researched a suitable provider and produced the suitability letter.

Advised new clients on Unsecured Pension income and established an effective plan with a suitable investment strategy with agreed performance benchmarks.

Provided pensions advice to non-specialist IFAs belonging to the firm’s network.

Prepared a file for TPAS to assist certain clients who held valid claims against their employer’s scheme.

Providing advice on multiple SIPPs when compared with a SSAS for commercial property purchase.

Produced a lifetime cash flow plan and investment strategy for cautious risk HNW clients.

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Technical AdviserCavanagh Financial Management Ltd October 2006 to December 2006

Consultant working as a pensions and investment specialist. Provided technical assistance to the firm’s IFAs in all aspects of

pensions, investment and IHT planning. Advising on the suitability of Final Salary Transfers and Unsecured

Pension. Selecting asset classes and investment funds for these classes and

appropriate benchmarks to measure performance.

Compliance SupervisorIN Partnership May 2006 to August 2006

Consultant working as a compliance, pensions and investment specialist.

Ensuring that Treating the Customer Fairly is at the heart of all compliance.

Conducting visits on IFA firms to test for compliance with T&C procedures.

Auditing results to find trends such as specific recurring complaints. Approving newsletters, articles for publication, Yellow Pages ads and

business stationery. Using specialist qualifications to approve on a pre-sales basis;

equity release mortgages, occupational pension transfers and income drawdown recommendations.

Preparing FSA authorisation forms for new members and references for leavers.

Acting as a point of contact for member firms and the Compliance Team.

Dealing with complaints from members of the public and liaising with FOS.

ParaplannerBaker Tilly Financial Services December 2005 to April 2006

Consultant working as a pensions and investment specialist. Preparing HNW clients for ‘A Day’. Performing detailed financial

planning scenarios projecting 10 to 15 years beyond ‘A Day’ to judge its impact and opportunities.

Advising SSAS members on both the advantages and disadvantages of pensions simplification. Ensuring that SIPP commercial property purchases were completed prior to ‘A Day’.

Researching client portfolios and analyzing their fund components and selecting funds for clients.

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Senior TechnicianDestini Horlock Financial Planning Limited December 2004 to May 2005

Consultant working as a pensions and investment specialist. Implementation of pensions simplification procedures and advice. Calculating occupational scheme limits and advising on appropriate

regime. Advising controlling directors to make use of basis year rule. Ensuring that all necessary trust forms are properly completed and

noted. Optimizing pensions recycling reinvestment for drawdown clients. Organizing pension investment strategies for drawdown. Evaluating the strength and weaknesses of different multi-

managers. SIPP & SSAS commercial property purchase advice and

administration. The appropriate use of life assurance bonds in financial planning.

Pensions ConsultantBradbury Hamilton Ltd June 2002 to July 2002Regent IFA Services Ltd February 2002 to April 2002

Consultant working as a pensions and investment specialist. Authorized to provide pension transfer advice and investment

advice. Experienced in the establishment of group stakeholder pensions for

SMEs. Providing divorced clients with appropriate advice and investment

planning. Researching the performance of different fund management groups

and recommending specific funds. Producing Transfer Value Analysis reports and reasons why letters. Checking Inland Revenue maximum figures and selecting the most

effective regime.

Pensions Review Loss AssessorAdepta Services Ltd April 2001 to January 2002

Consultant working as a pensions and investment specialist. Trained to use the 'CTC' to run transfers, opt-outs/non-joiners and

actual loss cases including death and retirement for Windsor Life.

Pensions Transfer AnalystZurich Financial Services January 2001 to March 2001

Consultant working as a pensions and investment specialist. Analysing personal pension transfer requests and income drawdown

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requests. Explaining pension products to clients and the direct sales force. Ensuring that the direct sales force adhere to FSA regulations.

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Pensions Review Loss TechnicianZurich Financial Services October 2000 to December 2000Century Life January 2000 to September 2000Canada Life June 1999 to January 2000

Consultant working as a pensions and investment specialist. Using the 'RECAL' system (v.3.04) to perform pensions review

calculations for opt-outs/non-joiners and actual loss cases including death and retirement.

Annuities SupervisorAon Consulting December 1998 to May 1999

Corporate annuity broking for both defined benefit schemes and defined contribution schemes.

Assisted in the establishment of standardised medical and occupational questionnaires for enhanced annuities.

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