Owner and Director of Cameron and Company Financial Planning Ltd
Eugénie is a Chartered Financial Planner and Independent Financial Adviser with 17 years' experience.
Having achieved the APFS designation, advisers can go onto to achieve this recognisable benchmark of quality and ethical practice for financial services professionals, elevating financial planning and advice in the public eye to the same standing as other Chartered professions. The holder must demonstrate a combination of experience, financial qualifications, ongoing educational activity (continuous professional development) and ethical behaviour.
This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, long term care insurance products and the giving of long term care insurance advice.
This examination assessed specialist supervisory knowledge and skills in the regulatory environment.
At the end of this unit, candidates should be able to demonstrate an understanding of: the basic structure of the tax system and self-assessment; the main taxes on income and capital that may be charged on individuals, the self-assessment system and how tax liabilities are computed; impact of residence and domicile on an individual's liability to UK tax.
At the end of this unit, candidates should be able to demonstrate an understanding of the: legal principles associated with the creation and management of a trust; main types of trusts that are common in the UK; taxation considerations relevant to trusts.
This examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.
In order to have completed this qualification, individuals were required to obtain three units. These could have been selected from any combination of the available units at that time but must have included the compulsory G10 unit - Taxation and Trusts.
This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, lifetime mortgage products, repayment options and the giving of mortgage advice.
This examination assesses a knowledge and understanding of the legislative and regulatory position of home reversion plans and their place in the advice process.
Fellowship is the next step after achieving the Advanced Diploma in Financial Planning. To become a Fellow of the Personal Finance Society (FPFS), 350 exam credits are required, which must include 290 credits through completion of the Advanced Diploma in Financial Planning. This shows dedication and commitment to continuous professional development.
This examination assesses the candidate to develop in depth financial planning skills related to personal tax and trusts.
This examination assesses a knowledge and understanding of the Government's simplified pension taxation regime which came into full effect on 6 April 2006 (A-Day). Eight tax regimes for pensions were reduced to one, radically affecting planning and transactions.
This examination assessed a knowledge and understanding of the UK tax system, the law and practice of trusts, but also an ability to advise individual clients on the tax treatment of their investments and the use of trusts to meet their current and foreseeable future needs.
At the end of this unit, candidates should be able to demonstrate an understanding of the: main tax and legal frameworks that govern the accumulation phase of building up retirement benefits under registered pension schemes; features of defined contribution and defined benefit pensions; choices faced by early leavers and use of transfer value analysis; State retirement benefits available, including the risks and suitability of contracting out of the State Second Pension.
This qualification assessed the knowledge and understanding of the UK regulation environment in the financial services industry together with types of mortgage products and repayment options and the giving of mortgage advice.
This qualification assessed the knowledge of investment products and associated risks.
This qualification assessed the knowledge of Financial Services Regulation and Ethics.
This qualification assessed the knowledge of Mortgage Advice.
Starting my career in Oxfordshire in 1997, I have worked both smaller and large national Independent Financial Planning firms for 17 years. I trained in Birmingham with Millfield Partnership for 5 years where I obtained the majority of my financial planning qualifications. Latterly I held the position of financial planning Consultant at a large regional accountancy practice before leaving to set up Cameron and Company Financial Planning in 2010.
When not at work, I can be found at home on the farm with my partner Matthew, a conservationist farmer and our 3 children, Áengus, Rupert and Cecelia. We keep 50 Dexter cattle and 350 North Country Cheviot breeding ewes, various horses and dogs. All of which keep us very happy and very busy.
I have worked in the financial services industry for over 30 years. I joined Cameron and Company in November 2013 having spent the first half of my career with one of the major high street banks and the second half with a well-respected independent financial planning company in Cheltenham. I live in Worcester and enjoy spending my spare time tending my small flock of chickens - who entertain me endlessly.
I have been working into an administration and support role within the financial services industry for over 8 years. During this period I achieved the Certificate in Financial Planning. I love working within the financial services and wish to qualify as Chartered Financial Planner in the future, I am currently studying towards the Diploma in Financial Planning.
I like to spend my spare time with my husband or creating greeting cards. I also like to grow my own vegetables so I spend a considerable amount of time in the garden during the summer months.