COBs 19 Annex 4

Question 1

COBs 19 Annex 4

CLIENT INFORMATION - Impacts (4)

Answer 1

CLIENT INFORMATION

Impact on Clients tax position

Impact on Clients access to State Benefits

Clients income needs in retirement

Provision of Death Benefits

Question 2

COBs 19 Annex 4

CHARGES

Answer 2

CHARGES

APTA must take account of all charges except Adviser Charges

Paid by a 3rd Party such as Employer
Payable if transfer happened or not

Need to take into account

Product Charges
Platform Charges
Relevant adviser charges