“The pinnacle of CISI membership. Exclusively for professionals who have demonstrated the highest levels of knowledge and standards of professionalism.”

- Chartered Institute for Securities & Investment (CISI)

The PCIAM is a Level 6 qualification designed for professionals advising high-net-worth clients on investment strategy, portfolio construction, and regulatory considerations. It goes beyond the FCA’s minimum Level 4 requirement for retail investment advice and is typically held by discretionary fund managers.

I completed the qualification with Distinction, which reflects a strong understanding of the material rather than just a working knowledge. As part of this, I also met the requirements to advise on and deal in securities and derivatives.

The DipFA is an industry-recognised qualification for aspiring financial advisers, awarded by the London Institute of Banking & Finance (LIBF). It meets the Financial Conduct Authority’s (FCA) minimum qualification requirement for advising on retail investments. Introduced in response to the Retail Distribution Review (RDR), which came into effect in 2013, the RDR raised professional standards across the industry by mandating that all retail investment advisers must hold a Level 4 qualification or equivalent. The DipFA satisfies this standard, equipping advisers with the technical knowledge and client-facing skills needed for competent, ethical advice.

CeMAP is the benchmark qualification required for mortgage advisers in the UK.

Although I’ve advised on mortgages in the past, it’s not a service I currently provide. However, I work closely with a few highly competent mortgage specialists and would be happy to refer you if needed.

I am currently studying towards the ATT qualification—a highly respected and comprehensive tax credential designed for those who wish to develop strong technical expertise in UK taxation.

While I’m not a tax adviser per se, tax plays a key role in many aspects of financial planning, from investments and pensions to inheritance and personal allowances. This qualification is well beyond the regulatory requirements for financial advisers, but I’ve chosen to pursue it to deepen my understanding and give more informed, tax-aware guidance where it matters most.