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CEMAP-1 - Certificate in Mortgage Advice and Practice (CeMAP) - Dump Information

Vendor : Financial
Exam Code : CEMAP-1
Exam Name : Certificate in Mortgage Advice and Practice (CeMAP)
Questions and Answers : 130 Q & A
Updated On : October 16, 2018
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CEMAP-1 Questions and Answers

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CEMAP-1 Certificate in Mortgage Advice and Practice (CeMAP)

Study Guide Prepared by Killexams.com Financial Dumps Experts


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CEMAP-1 exam Dumps Source : Certificate in Mortgage Advice and Practice (CeMAP)

Test Code : CEMAP-1
Test Name : Certificate in Mortgage Advice and Practice (CeMAP)
Vendor Name : Financial
Q&A : 130 Real Questions

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Financial Financial Certificate in Mortgage

ICE makes its circulation in $15tn US personal loan market | killexams.com Real Questions and Pass4sure dumps

The business that owns the new york stock alternate is placing itself on the centre of the $15tn US mortgage market in anticipation of an epochal change to digital files from unwieldy stacks of paper.

Intercontinental alternate, which is accepted for remodeling musty economic institutions into profitable excessive-tech trading venues, is close to taking full manage of mortgage electronic Registration systems, which keeps song of nearly 30m US domestic loans.

it's doing so at a time when ninety nine per cent of loan files are nevertheless on paper, but amid an business push for digitisation that ICE’s founder Jeffrey Sprecher hopes will flip the utility-like MERS into a brand new earnings engine for his enterprise.

Mr Sprecher first bought a controlling stake in 2016, and has simplest hinted at his ambition for the enterprise due to the fact that then. He has likened MERS to the Depository have confidence & Clearing Corp, the securities clearing residence owned through banks that lengthy dealt in paper share certificates.

Brendon Weiss, chief working officer at MERS, told the fiscal times that ICE intends a “full acquisition” of the registry. The deal for the ultimate stake it does not already own is anticipated within the following few weeks.

“ICE’s adventure during the past has been taking analogue markets and making them digital,” he spoke of. amongst those had been the London’s former foreign Petroleum exchange and the ny Board of alternate, whose noisy buying and selling pits shut after ICE received them (see beneath).

MERS changed into created in 1995 to tune alterations in personal loan ownership and servicing rights, making it more convenient for loans to change arms among its 5,000 members.

For ICE, full ownership of MERS gifts a chance to transform the member-owned utility by reducing expenses and enhancing efficiencies. “It’s a really large complete addressable market. It’s doubtless the 2d greatest on the planet,” said Christopher McEntee, ICE’s director of corporate building, who joined the enterprise from the Federal domestic mortgage bank of Atlanta.

the advent of ICE into the personal loan business has sparked intrigue as to its plans. based in 2000 as an power buying and selling platform, it is now the world’s 2d-most valuable trade group.

Federal facts reveal the business’s representatives have lobbied Congress on “Housing Market constitution Modernisation,” efforts ICE executives would no longer shed extra easy on.

In mid-September, ICE migrated MERS’s nearly 30m information to the same high-safety information centre in Mahwah, New Jersey where NYSE suits offers between microsecond-velocity stock traders, a company spokesman noted.

“If I needed to wager, what is doubtless their lengthy-term play is to create the manhattan stock change for mortgages,” mentioned Tim Anderson, director of eStrategy at DocMagic, a application vendor related to the MERS equipment.

Mr McEntee, who sits on the MERS board, declined to focus on the buy cost for the final MERS stake. ICE has not disclosed what percentage of the company it at present owns.

He mentioned ICE does not currently plan to turn MERS into a loan change, even though the technology resides in the equal building as NYSE’s computers. individual domestic loans are too heterogeneous to lend themselves to the type of swift-fireplace continual auctions that incorporate exchange trading, he noted.

What ICE intends to do is make it faster and less demanding to song who has issued domestic loans and who bought them. more desirable expertise might hasten the adoption of digital mortgages and facilitate the manner of securitisation, by which domestic loans are bundled for sale to huge traders.

just 347,000 digital personal loan notes, referred to as eNotes, were registered at MERS to date, however they've been authorised by way of law considering the fact that the year 2000. Fannie Mae and Freddie Mac, the government-backed personal loan organizations, first approved them for buy greater than a decade in the past.

For a number of explanations — now not least the subprime personal loan disaster — the trade has been slow to adopt them. “It’s been fits and begins for 18 years,” spoke of Margo Tank, a attorney at DLA Piper.

They may be at last gaining momentum. Ginnie Mae, which ensures government-insured and warranted loans, currently pointed out it will lay groundwork for processing digital mortgages by using 2019.

Lenders such as Quicken Loans have begun to originate digital mortgages. A handful of warehouse lenders akin to bank of the united states have begun to fund them. the U.S. Treasury branch has recommended their wider use.

“It’s a potential tipping aspect,” noted Michael Fratantoni, chief economist at the loan Bankers affiliation, who additionally chairs MERS’ membership committee. “at last we’re at a place the place we’re not seeing the roadblocks which have saved the industry from relocating to a completely digital procedure.”

The promise right here is that if you can get more desktop scalability which you can get margins

The low-profile MERS burst into the headlines right through the housing crisis. It was sued via debtors combating foreclosures and via local governments claiming it robbed them of recording charges, but it prevailed in court.

In 2011, although, US banking regulators ordered MERS to improve its practices after discovering management failures in tracking loan loans and initiating foreclosures. They lifted the order in January this year, citing full compliance.

With felony problems resolved, ICE executives now see MERS as poised for boom and mortgages as an incredible untapped probability. The enterprise registers 5.5m loans a yr, seventy five per cent of all new mortgages.

MERS expenses clients modest costs, typically $11.95 per personal loan registration. ICE shareholders aware of the enterprise’s rank as probably the most nation’s most profitable agencies may additionally want to see greater prices.

however Mr McEntee observed he envisaged larger income margins for MERS through stronger expertise and stronger volumes as opposed to payment raises. “The promise right here is that if you can get extra computing device scalability that you would be able to get margins,” he talked about.

Mr Sprecher has observed MERS is ripe for alternate. “handling containers and containers of mortgages is a enormous conducting for a lot of of these organizations and there’s loads of incumbents, and there’s a lot of issues that need to get disintermediated to be able to go from analogue to digital, but the vogue is there,” he instructed a convention in June.

“It’s one of the vital biggest asset courses that we see that’s nonetheless analogue, and we need to be right at the middle of it.”

Most financial exchanges had been in-built centuries previous, when brokers and merchants agreed deals with shouts and hand gestures. Intercontinental trade turned into shaped in might also 2000 because the dotcom bubble changed into losing air.

Entrepreneur Jeffrey Sprecher installation the enterprise as an all-electronic industry for gas and energy. ICE received an inadvertent aid from the power trader Enron, whose rival on-line platform imploded when the business did. “After the give way of Enron, our revenues took off,” Mr Sprecher has spoke of.

a scarcity of attachment to physical trading venues marked its increase. In 2001 it bought overseas Petroleum trade, the largest power futures exchange in Europe. After shutting down the IPE’s ground in 2005, volumes in flagship crude oil contract Brent have grown eightfold.

ICE also shut down the buying and selling floor after deciding to buy the big apple Board of trade, an alternate for cotton, sugar and different smooth commodities, in 2007. The Winnipeg Commodity alternate, a Canadian canola seed venue, became got through ICE and included into its US-based mostly digital futures platform.

In 2013 ICE made its largest-ever acquisition with the purchase of the NYSE Euronext. The prize justifying its $10bn expense tag turned into the all-electronic Liffe futures exchange in London, but the deal also gave ICE ownership of the big apple inventory trade — whose ornate flooring has been stored open.

extra reporting via Joe Rennison in ny


Ellington economic LLC Completes $141.2 Million Residential personal loan mortgage Securitization | killexams.com Real Questions and Pass4sure dumps

ancient GREENWICH, Conn.--(business WIRE)--

Ellington monetary LLC (EFC) ("Ellington fiscal" or the "enterprise") announced nowadays that it closed a $141.2 million securitization backed by a pool of non-certified residential mortgage (“non-QM”) loans. The non-QM loans were originated by LendSure personal loan Corp., a personal loan originator through which Ellington economic holds a strategic fairness investment.

The company sold securities in a personal placement to institutional traders and retained certain tranches as a way to comply with credit score chance retention guidelines. The senior tranche of the securitization bought a AAA score from S&P and Morningstar. The enterprise additionally retained the choice to name the extraordinary certificates issued through the securitization at any time following the non-compulsory redemption date.

“we're very blissful with the execution of our first securitization of non-QM loans,” stated Larry Penn, Chief executive Officer of Ellington economic. “We view securitization as a crucial device to enhance Ellington economic’s future salary and drive growth. The performance of LendSure’s personal loan creation has been staggering, and we seem ahead to starting to be our relationship.”

About Ellington fiscal LLC

Ellington fiscal LLC is a area of expertise finance company that basically acquires and manages personal loan-related and client-linked property, including residential personal loan-backed securities, residential and business mortgage loans, buyer loans and asset-backed securities backed by way of consumer loans, commercial mortgage-backed securities, real property, and personal loan-connected derivatives. The company also invests in corporate debt and equity, including distressed debt, collateralized mortgage responsibilities, non-personal loan-related derivatives, and other financial property, together with inner most debt and fairness investments in loan-connected entities. Ellington fiscal LLC is externally managed and advised via Ellington financial administration LLC, an affiliate of Ellington management community, L.L.C.

About LendSure mortgage Corp.

LendSure is a privately held financial services enterprise essentially engaged within the origination of residential mortgage loans. LendSure is led via a team of pro mortgage gurus who have decades of experience within the personal loan business. LendSure is presently licensed (or no longer required to be licensed) to originate loan loans in nineteen states, and operates essentially on a wholesale basis. LendSure became founded in March 2015 and continues its corporate headquarters in San Diego, CA.

View supply version on businesswire.com: http://www.businesswire.com/news/domestic/20171115006330/en/


FSE London: Advisers wary over new FCA senior supervisor and certification regime | killexams.com Real Questions and Pass4sure dumps

Advisers at nowadays’s financial capabilities Expo (FSE) London, the premier exhibition for the fiscal features industry in London & the South East, voiced problem to the FCA that its new ‘Accountability 2’ senior supervisor and certification regime might imply the end of particular person accredited men and women that includes on the FCA register.

In a Q&A session at the conclusion of a presentation on the theme through Peter Ewing, Technical professional, Accountability on the FCA, a few attendees raised issues that present authorised folks should be would becould very well be culled from the register as a result of they would not meet the new requirements which might see only the firm itself and its senior managers listed.

The FCA is currently consulting on its proposed new suggestions in this enviornment – which he referred to observe to well-nigh all FCA-regulated firms – and aim ‘to in the reduction of hurt to buyers and fortify market integrity via making individuals greater liable for their behavior and competence’.

Ewing mentioned the views of advisers during this area may still be made frequent by means of the consultation system to the FCA however also spelt out the reason in the back of the choice not to approve people under senior supervisor degree. “We think it’s right that we don’t approve americans beneath senior supervisor stage, so these americans who we did prior to now approve gained’t appear on the register in future,” he mentioned.

Robert Sinclair, Chief government of AMI, talked about the exchange body can be debating this problem at its subsequent meeting. “AMI desire the FCA to keep some type of register of people who had been accepted to be seen by using buyers,” he stated. “We trust most advisers need to preserve some form of register.”

Ewing did indicate that smaller advisory practices would see little alternate. “if you’re a one-man band/sole dealer you then come below the restricted scope part of the regime,” he said. Sinclair delivered that there can be no alterations for one-man band, directly authorised enterprises. larger organisations with personnel however have to take responsibility for their health and propriety, and people need to have a certificate issued by means of the firm about this which ought to be reviewed each year.

There became also a notice of warning from Ewing for appointed representative (AR) firms, for whom the brand new regime will no longer follow. “This regime will now not observe to ARs,” he noted. “here is because the FCA doesn't have the criminal powers to do it. youngsters, we're talking to Treasury about this as we might very a lot care to do it. The present permitted people regime will still apply to ARs – it’s an anomaly that we might want to clear up.”

The FCA’s session on this subject matter ends on the third November.

FSE London is taking place today at historical Billingsgate within the heart of the metropolis of London. All seminar periods are CII-authorised and delegates can earn CPD hours.

FSE London is additionally hosting the inaugural countrywide personal loan Adviser Awards ceremony, in affiliation with loan counsel Bureau (MAB), which is recognising the true corporations all through the united kingdom throughout 12 areas and through three expert awards.

additional details on fiscal services Expo are now available at: www.financialservicesexpo.co.uk


CEMAP-1 Certificate in Mortgage Advice and Practice (CeMAP)

Study Guide Prepared by Killexams.com Financial Dumps Experts


Killexams.com CEMAP-1 Dumps and Real Questions

100% Real Questions - Exam Pass Guarantee with High Marks - Just Memorize the Answers



CEMAP-1 exam Dumps Source : Certificate in Mortgage Advice and Practice (CeMAP)

Test Code : CEMAP-1
Test Name : Certificate in Mortgage Advice and Practice (CeMAP)
Vendor Name : Financial
Q&A : 130 Real Questions

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Certificate in Mortgage Advice and Practice (CeMAP)

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Equity release body Ship appoints first director general | killexams.com real questions and Pass4sure dumps

Equity release industry body Safe Home Income Plans (Ship) has appointed Andrea Rozario, founder of equity release adviser Rozario Harris and Co, as its first director-general.

Ship said that Rozario was already a recognised spokesperson for the industry appearing in both the trade and national media, and a winner of Equity Release Broker 2006 at the British Mortgage Awards.

The trade body announced a major restructuring earlier this year, raising its membership fees five-fold to fund a permanent London base and full-time administrative staff.

Jon King, who has served as Ship chief executive since 2001, will stand down from his role in December following her appointment, but will continue to serve on the board.

‘I am delighted to be given this opportunity at this pivotal stage within the equity release industry,’ said Rozario.

‘There are many possibilities that lie ahead and the role of director general shows a serious commitment from Ship and the industry’s desire to aid future growth.’

The director general will be expected to focus on developing communications and strategy among the public and financial advisers, particularly in understanding products.

Rozario holds three financial planning certificates, a certificate in mortgage advice and practice (CeMAP) and a certificate in regulated equity release (CeRAR).


From bereavement to banks: Young Citizen nominee celebrates overcoming the odds | killexams.com real questions and Pass4sure dumps

PUBLISHED: 10:30 09 November 2017

Young Citizen nominee Jamala Osman

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Jamala Osman, of Ilford Lane, Ilford, has overcome death and teenage depression to become one of Barclays Bank’s most successful apprentices.

Now she is this week’s Recorder/Rotary Young Citizen Award nominee.

She told the Recorder: “Growing up in Ilford, I was surrounded by gang culture and violence and life took a turn for the worst when I lost my mother as a young teen.

“By 14 years old I had been kicked out of my father’s house and lost contact with my siblings.

“I quickly spiralled out of control, playing up in school. I began to suffer with depression. I had lost all hope.”

Before she could hit rock bottom, Jamala decided to take control of her life.

Although she had hoped to pursue music and apply to university, her new responsibilities meant that she had to find employment.

Within three months of job hunting, she was accepted on to a highly competitive Barclays apprenticeship programme in 2012 and the company fully funded her degree.

Working and studying full time for three years was difficult, but Jamala persevered and now has a degree in leadership and management, and is a qualified mortgage adviser with a Certificate in Mortgage Advice and Practice (CeMAP).

Now she is in a management role in the Fenchurch Street branch and aspires to become an area manager within five years.

The former Loxford School pupil is considered one of Barclays’ most successful apprentices and is one of the few young, female and BAME bank managers in the country.

Her nominee Jonathan White said Jamala is an inspiration to young people in Redbridge.

He said: “Jamala is a rare example of modern diversity and a living testimony to overcoming the odds.

“She regularly speaks at schools about mental health to combat the stigma surrounding it.

“Passionate about social change, Jamala hopes her story can inspire others to make positive choices in their lives despite challenging circumstances.”

You can nominate any person from Redbridge, as long as they are under 25, by emailing lindsay.jones@archant.co.uk.


Adviser Profile: Jamie Donald of Donald Asset Management | killexams.com real questions and Pass4sure dumps

Jamie Donald is getting Donald Asset Management fit for him to advise its entire client bank when he takes over the helm from his father at the end of this year, raising the minimum investment level and reducing client numbers.

When Ian Donald of Donald Asset Management de-authorises at the end of this year and passes the business reins to his son Jamie, it will start a bold new era for the firm.

There are no lingering tensions between the old and new model at the firm. Its transition is advanced, as demonstrated by it being the runner-up in the Institute of Financial Planning’s (IFP) David Norton Building Excellence Award prize this year.

Boxing fan and keep fit fanatic Jamie is a determined individual. He has set himself some big challenges, including advising the entire bank of 95 clients himself and doubling the minimum investment from £250,000 to £500,000.

New model

Jamie discovered the financial planning model in 2008 when he was studying to become chartered and certified at the same time, which he achieved in May 2009.

‘I was trying to get chartered status and decided to become certified, which also counted as credits towards that. [Coming into contact with] the IFP started to change things,’ he says.

‘We were still following the commission-based, transactional and active fund-picking philosophies that we were brought up with in the network [the firm became directly authorised in 2003]. As soon as I got the [IFP] case study through, I saw this was a better way. So I started going to the regional IFP meetings and seeing presentations by other members who had gone through the journey and were where we wanted to be. Since then ours has become a service and fee-based proposition.

‘The Chartered Insurance Institute is very good from a factual basis, but the IFP is more about practical application, best practice and how you look at your business. We were able to learn from other people’s mistakes.

‘Another great thing about the IFP is you hear certain names being mentioned, such as Brett Davidson of FP Advance, who we have used, and Tim Hale of Albion Strategic Consulting. We now use Tim’s ongoing service and that has moved us on dramatically.’ (See 'Lightbulb moment', below)

Jamie and Ian are lifelong supporters of Aston Villa and on the subject of persuading his dad to move to a financial planning model, Jamie adapts a quote from football manager Brian Clough: ‘We always joke that we had a chat and decided I was right all along.’

In reality, it was an easy sell. Ian says: ‘I have always worked on the basis that one day the firm would be Jamie’s, and I could see the wisdom of going down that route. Changing from initial commission to renewal was very painful for two years, but we managed our way through that. Now it is wonderful for us and for the clients.’

Firm roots

Everything about Donald Asset Management speaks of solidity. It is situated in Four Oaks, a lush, leafy suburb of Birmingham. The office is in an annex of the home that the Donald family has lived in for 32 years. The business has its roots in Acorn Warnford, an advisory firm that Ian set up in 1991.

Jamie joined his father in the business straight from school in 1997. ‘It was obvious I would end up here, so I thought I might as well get started,’ he says. To complete the picture, both their wives, Linda and Clare, also work in the business.

 

Jamie Donald CV

CAREER

  • June 2003 - present Donald Asset Management, managing director
  • August 1997 - June 2003 Acorn Warnford, financial adviser
  • PROFESSIONAL MEMBERSHIPS/QUALIFICATIONS

  • CeMAP

  • CF2, CF6, CF7

  • HR1 - Home Reversion Plans (CII)

  • Level B

  • AFPC

  • G10, G20, G60

  • K10, K20

  • Chartered Financial Planner

  • Certified Financial Planner

  • As part of its transition, the firm segmented its clients into gold, platinum and platinum-plus service levels, and started using Moneyscope cashflow planning software. But the first meeting with clients takes a refreshingly low-tech approach with the use of marker pens and an easel pad.

    ‘This creates a storyboard detailing [all the important information about the client and their aims and aspirations] and what we will do for them,’ says Jamie. ‘This gets clients to interact with you. It is about trying to give them an insight into what is important to them.’

    Ian adds: ‘We come away from that first meeting knowing more about the clients than they know themselves. They love it.’

    Prepared for change

    The firm has a long-held base of wealthy clients and a recurring income of 92%. It set a minimum level of investable assets of £100,000 in 2004, raised that to £250,000 five years ago and increased it to £500,000 this year. The aim is to reduce client numbers and help Jamie handle advising all the clients when his father de-authorises.

    ‘I don’t have the new qualifications, like a lot of people of my age,’ says Ian. ‘I will be a relationship manager.’

    These new roles will suit their personalities. While both are jovial and friendly characters, Ian is the most gregarious while Jamie is more focused on processes. They will regret having one less adviser, they say, but nonetheless feel excited about the future.

    Jamie says: ‘The shame of the [RDR] regulations is that we [the IFA sector] are going to lose a lot of experienced advisers. The firm will be setting out very clearly that he [Ian] will no longer give specific advice, but that he is still there to support me. Client numbers are going down to make sure it is manageable for the support team and me. It is a constant battle to make sure the numbers are still right and we can still deliver what we promise.

    ‘As we are not going out to get lots of new business, having just the one adviser will be fine. There may be tweaks to the team. Maybe we will create an officer manager role. Also we don’t have a paraplanner and will probably outsource an element of that.

    ‘This will allow Dad to focus more on things like our client entertainment days and getting the right kind of client referrals. He has known these people for 20 to 30 years and that relationship won’t go away.’

    Ian adds: ‘Wealthier clients make you more profitable. You can [spend your time] introducing other things, such as the horseracing day we now organise for clients. Everyone benefits.’

    Jamie continues: ‘Some advisers think the more clients they have, the better. But what is it costing them to service the lower end? Maybe that will become clearer next year with agreed remuneration.’

    Referrals campaign

    They do not want to deter new clients completely, however, and are developing their ‘refer a friend’ campaign. ‘That is paying dividends,’ says Ian.

    ‘We give gift vouchers for referrals and previously we were highlighting that. Then we realised people are actually more interested in just helping their friends. Now we also put testimonials in the quarterly newsletter.

    ‘In the past, we have tried everything, including search engine optimisation but we keep coming back to the existing client referral. It has a much higher probability of conversion.’

    Despite losing an adviser, Jamie believes the overall strategy will enable the firm to expand the asset and income base and make the business more efficient.

    Lightbulb moment illuminates passive path

    Donald Asset Management feels it can no longer add value by selecting funds in its portfolios.

    ‘We employed a paraplanner from 2007 to 2010, whose job was to look at funds data and make the choices,’ says Jamie. ‘We saw it start to unravel, even though we had always done a good job. We came out of commercial property in the summer of 2007. We avoided all the major problems but it was getting harder to think what the next ideas would be. When a lot of your perceived value has been on picking the funds, you have a problem when it all appears to be going wrong.

    ‘We saw a presentation by Tim Hale and that was the light bulb moment. We stalked him around various presentations, and early in 2010 joined his [ongoing] service. He helps with asset allocation, makes you think about what is in your portfolios and why. This revolutionised our thinking and led us to the likes of Vanguard and Dimensional.

    ‘Active fund managers always have a great story about managing their way through different parts of the market. But very few have delivered. We had looked at discretionary fund managers but they were doing the same as we were. If we were struggling to add value how could they?

    ‘Now it’s about educating our clients. Some clients go into infinite detail but most are just happy to sleep at night. They can see what we are doing and that it works. We used to be quite reactive but we have learned to tackle it head on when the media are running amok about a subject. A lot of value is lost when clients panic and buy in or sell at the wrong time. We can justify our fee just by protecting the clients from falling into that trap. Before it was all performance driven, now with us the first principle is their risk.’

    Portfolio range

    The firm has five portfolios, all containing around 10 passive funds. The average total expense ratio (TER) is 1.6% to 1.7%, including adviser and platform charges.

    Recently it ditched Fidelity Moneybuilder UK Index for Vanguard FTSE UK Equity Index, and iShares MSCI Emerging Markets Index for Vanguard Emerging Markets Stock Index, both based on cost.

    These portfolios are aimed at clients in the firm’s platinum segment. Gold clients tend to be in a multi-asset or multi-manager fund, such as Vanguard Life Strategy range with a typical TER of 0.3%.

    Jamie says having outside help to build portfolios with robust systems and documentation is essential. ‘I am always amazed at how some advisers seem to have created it themselves, with very little documentation. That is such a danger. We have made a massive investment with Tim, one of our biggest expenses, but it has been worth every penny. We see him three days a year, more if we require, and he provides us with regular documentation. He also writes an article to go into our valuations.

    ‘Portfolios are rebalanced at least once a year, not more regularly because of the cost, unless there are major market movements.’

    The firm charges up to 1% a year.

    Performance

    Over 1 year

    Over 3 years

    Donald AM Moderately Cautious

    7%

    24%

    Retail prices index

    3%

    11%

    Data is net of fund manager charges but gross of platform and adviser charges, and assumes dividends are reinvested.

    Ian Donald CV

    CAREER

  • June 2003 - present Donald Asset Management, chairman
  • 1993 - June 2003 Acorn Warnford, director
  • 1977 - 1993 Legal & General, Albany Life and Hambros Life, various
  • 1964 - 1977 Lloyds Bank, International Bank of Washington
  • PROFESSIONAL MEMBERSHIPS/QUALIFICATIONS

    Family and friends

    Jamie plans to buy his mother and father out of the business over the next few years, and Ian says he is happy to continue indefinitely as a relationship manager.

    ‘A lot of the people are my friends, so I am happy to help out as long as the mind’s there,’ says Ian. ‘Plus I live here! We have majored on the family aspect and it has paid dividends.’

    Jamie says: ‘People always say it must be difficult [working together], but 15 years in we would know by now. It’s a family business: that is a differentiator compared with the faceless banks. Clients have started asking when my two-year-old son, Oscar [named after boxer Oscar De La Hoya], is coming into the business.’

    Like many top new model advisers, the Donalds are keen to develop the client community.

    ‘As well as the racing day, we have seven clients who share my interest in fishing, so we had a trout fishing day at a little private lake in Wales,’ says Ian. ‘We take clients to football matches. And we have quite a few golfers now, so we might set up something at the Belfry [golf course].’

    Long-term ambitions

    The firm’s next target is to gain IFP accredited status. ‘That makes good sense,’ says Jamie. ‘The firms with accredited status meet to share best practice and it is a standard that gives us a target to aim towards.’

    Regarding the longer term, he says: ‘Other advisers will have to be dragged kicking and screaming to do what we have been doing for a number of years, so there will be an element of everybody copying everybody else. So it will be about trying to differentiate yourself. Also I hope I will sleep. So far I have done all this on the back of barely sleeping for two years [thanks to Oscar] and I am hoping the next few years will be easier.’

    Ian chips in: ‘And later on, if Jamie continues here, it will be lovely for his mum and me. His sandwiches are quite good at lunchtime – she looks after him well.’

    Ian will have more time to go fishing, which he often does in the company of brown bears in Alaska. And Jamie says he would like to go to more top boxing matches: ‘I have been to Vegas to see some of the big fights. With Oscar being only two and my lack of sleep, I don’t get much chance to stay up until four in the morning to watch the fights.

    ‘But, despite everything, we manage to keep our office hours as 8am to 4pm. That’s because we want clients who think family is important to them, as it is to us.’

    Five top tips
  • Join the Institute of Financial Planning.

  • Attend the IFP local branch meetings and listen to best practice tips from leading financial planners.

  • Adopt cashflow modelling to help show your clients what their financial future could and should be.

  • Ensure your investment proposition is thoroughly documented and robust. Speak to an expert if you need help.

  • Understand your clients emotions when investing; be their investment coach.



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    Financial CEMAP-1 Exam (Certificate in Mortgage Advice and Practice (CeMAP)) Detailed Information



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