Your Path to a Career in Financial Services - Digital

Your Path to a Career in Financial Services

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Table of Contents

“Our vision...

...Your future.”

Introduction Lowes Financial Academy: Who we are Level 4 Diploma in Regulated Financial Planning Lowes Financial Academy: How we can help

4 5 6

R01 Course: Financial Services, Regulation & Ethics R01 Course Information

8 9

R01 Learning Outcomes

R02 Course: Investment Principles and Risk R02 Course Information

10 11

R02 Learning Outcomes

R03 Course: Personal Taxation R03 Course Information

12 13

R03 Learning Outcomes

R04 Course: Pensions and Retirement Planning R04 Course Information

14 15

R04 Learning Outcomes

R05 Course: Financial Protection R05 Course Information

16 17

R05 Learning Outcomes

What Next? Lowes Financial Academy Contact Details

19

www.LowesAcademy.co.uk | 3

Introduction

Fernwood House

Lowes Financial Academy: Who we are Lowes Financial Academy is one of the companies which forms part of Lowes Group LTD. The Group has a variety of companies which includes one of the longest standing Independent Financial Advisers in the UK, Lowes Financial Management. The aim of Lowes Financial Academy is to inspire, encourage and motivate the next generation of Financial Advisers. The financial services profession continues to face one of its greatest struggles due to its ageing workforce, coupled with an increasing need for financial advice. Therefore, there is no better time than the present to embark on or further your career in financial services. With our help, you will be guided through each of the compulsory exams necessary to gain a Level 4 Diploma in Regulated Financial Planning from the Chartered Insurance Institute (CII). Our tutors have a wealth of experience in the education sector and the Financial Services profession. Not only do they hold a post graduate qualification in teaching, but they also have their Level 4 Diploma and are currently working toward their Level 6. They have the support of some of the most qualified individuals in the Financial Services profession, which provides students with the best possible learning experience. Using their teaching experience, they have been able to design and deliver engaging and effective learning material, bringing the learning to life.

“Our aim is to inspire, encourage and motivate the next generation of financial advisers...”

4 | www.LowesAcademy.co.uk

Level 4 Diploma in Regulated Financial Planning

It can be difficult to decide whether you should be looking to achieve the Chartered Insurance Institute (CII) Regulated Diploma in Financial Planning or go down another route. In 2020 Lowes Financial Academycompleted extensive research with various employers within the financial services sector, to determine which professional body was the most appropriate for professionals within this sector. It was apparent that the qualifications provided by the CII was the most respected and suitable. Employers felt that this qualification better equipped new advisers, giving them a wider range of in-depth knowledge to better serve the client. The CIIRQF (Regulated Qualifications Framework) Level 4 Diploma in Regulated Financial Planning meets the Financial Conduct Authority’s qualification requirements for anyone advising on retail investment products as it helps develop core technical knowledge and financial planning capabilities. The Diploma in Regulated Financial Planning is appropriate for individuals who would like to become advisers, paraplanners, technical consultants, and for those in financial planning support roles. It is particularly suitable for anyone seeking to give retail investment advice. The Diploma comprises six core units, providing 100 CII credits on successful completion.

The CII Regulated Diploma in Financial Planning is suitable for everyone! Please speak to a member of the Lowes Financial Academy team if you already hold a higher level qualification, such as a degree, as this could count towards credits for this qualification and you may only need to complete some ‘gap fill’ activities to meet the FCA exam requirements.

If you are in doubt as to what your first steps are, please contact Lowes Financial Academy directly to discuss your existing qualifications and which route would be best for you. You can speak to our knowledgable tutors on 0191 287 8717 or email at Academy@Lowes.co.uk. To view the latest course availabilty and pricing please click here.

www.LowesAcademy.co.uk | 5

Lowes Financial Academy: How we can help

Lowes Financial Academy: The Materials There are 2 possible routes to take: Flexible and Tutor-led

When embarking on a new path- whether that is venturing into the world of financial services for the first time, or just signing up for the next course on the way to achieving the diploma- the language used and the usual study materials can sometimes seem like a minefield! At Lowes Financial Academy, we understand that every persons learning journey is different, and so, our approach is to make the content for these courses as dynamic and digestible as possible. We offer both tutor-led and flexible courses, both providing a range of materials. Both formats include digestible workbooks, made up of reading materials and activities that are easily accessible for all abilities. This material has been structured specifically to ensure optimal engagement and retention by using simple explanatory language- free from jargon. The activities give plenty of opportunity to allow for sufficient practice of calculation and will cement key facts in the minds of each participant. Flexible With flexible courses, workbooks weekly, which are supplemented by live weekly webinars at their own pace, along with the entitlement to one-to-one sessions with our expert tutors. Tutor-led The tutor-led courses issue the workbooks weekly, which are supplemented by live weekly webinars, allowing participants to ask questions about the learning material. Exam style questions are incorporated throughout to strengthen understanding of key elements of the week’s learning. In addition to this, Lowes Financial Academy offers mock testing, with in depth analysis and feedback provided. Participants will receive personalised feedback, highlighting their own individual strengths and weaknesses, so that revision activities can be focussed appropriately. All course participants are provided with further materials to aid in revision activities, including further mock exams and flash cards.

6 | www.LowesAcademy.co.uk

Lowes Financial Academy: The Tutors

“Lowes Financial Academy’s approach is to make the content Participants really can feel assured that they will be 100% supported when they embark on any learning with us. Our tutors do more than just send out revision materials; they really care about the success of every individual, on every course, at Lowes Financial Academy. Our tutors have a wealth of experience in the education sector and the Financial Services profession. Not only do they hold a post graduate qualification in teaching, but they also have their Level 4 Diploma and are currently working toward their Level 6. They have the support of some of the most qualified individuals in the Financial Services profession, which provides students with the best possible learning experience. Using their teaching experience, they have been able to design and deliver engaging and effective learning material, bringing the learning to life. We guarantee that the numbers for every course at Lowes Financial Academy will be capped at 12, so that your learning remains personal. Our knowledgable tutors are on hand to answer any questions at any point during the week ensuring that every participant has access to extra support where required.

To find out more about Lowes Financial Academy, or to register your interest, please contact us on 0191 287 8717 or email at Academy@Lowes.co.uk.

www.LowesAcademy.co.uk | 7

R01 Course: Financial Services, Regulation and Ethics

R01: ‘Financial Services, Regulation and Ethics’ (20 Credits) The CII’s R01 exam, ‘ Financial Services, Regulation and Ethics’ , forms part of the Diploma in Regulated Financial Planning and upon successful completion will give you 20 credits at diploma level. R01 is usually the first exam learners will sit in order to progress in their career within the financial services industry. This means people who are new to the industry are faced with some confusing terminology that can be difficult to relate to. The R01 exam can be put towards a Level 3 Certificate in Financial Services. This route develops knowledge and an understanding of the sector, key customer needs, solutions and products, and how individuals and organisations work within a regulatory and legislative environment.

The exam is for 2 hours and is made up of 100 questions; 87 single response questions that only need one answer and 13 multiple response questions, which require you to select more than one answer. The question will not specify how many answers you need to select, making these quite tricky! R01 has a current pass mark of 65%. R01: The Exam

“Figures show that R01 has a pass rate of just 64%. This is where Lowes Financial Academy can help.”

8 | www.LowesAcademy.co.uk

The exam syllabus covers the financial services industry in the UK, how the retail customer is served, the ‘regulatory’ framework and the powers and responsibilities of the regulator, legal concepts, and the regulator’s Code of Ethics. This is split over 11 learning outcomes: R01: Learning Outcomes

E x p e c t e d N u m b e r o f Q u e s t i o n s i n E x a m

L e a r n i n g O u t c o m e s

U n d e r s t a n d t h e U K f i n a n c i a l s e r v i c e s i n d u s t r y i n i t s E u r o p e a n a n d g l o b a l c o n t e x t U n d e r s t a n d h o w t h e r e t a i l c o n s u m e r i s s e r v e d b y t h e f i n a n c i a l s e r v i c e s i n d u s t r y

6 s t a n d a r d

1 2 s t a n d a r d

U n d e r s t a n d l e g a l c o n c e p t s a n d c o n s i d e r a t i o n s r e l e v a n t t o f i n a n c i a l a d v i c e

9 s t a n d a r d

U n d e r s t a n d t h e r e g u l a t i o n o f f i n a n c i a l s e r v i c e s

6 s t a n d a r d

U n d e r s t a n d t h e f i n a n c i a l r e g u l a t o r s ’ r e s p o n s i b i l i t i e s a n d a p p r o a c h t o r e g u l a t i o n

2 9 s t a n d a r d

A p p l y t h e p r i n c i p l e s a n d r u l e s a s s e t o u t i n t h e r e g u l a t o r y f r a m e w o r k

4 s t a n d a r d / 5 m u l t i p l e r e s p o n s e

A p p l y t h e r e g u l a t o r y a d v i c e f r a m e w o r k i n p r a c t i c e f o r t h e c o n s u m e r

5 s t a n d a r d / 8 m u l t i p l e r e s p o n s e

U n d e r s t a n d t h e r a n g e o f s k i l l s r e q u i r e d w h e n a d v i s i n g c l i e n t s

4 s t a n d a r d

U n d e r s t a n d t h e f i n a n c i a l r e g u l a t o r s ’ u s e o f p r i n c i p l e s a n d o u t c o m e s b a s e d r e g u l a t i o n t o p r o m o t e e t h i c a l a n d f a i r o u t c o m e s

7 s t a n d a r d

A p p l y t h e C o d e o f E t h i c s a n d p r o f e s s i o n a l s t a n d a r d s t o b u s i n e s s b e h a v i o u r s o f i n d i v i d u a l s . C r i t i c a l l y e v a l u a t e t h e o u t c o m e s t h a t d i s t i n g u i s h b e t w e e n e t h i c a l a n d c o m p l i a n c e d r i v e n b e h a v i o u r s

2 s t a n d a r d

3 s t a n d a r d

To find out more about the CII’s R01 Course, including the latest course availablity, curent tuition pricing or to register your interest, please click here. Alternatively contact Lowes Financial Academy on 0191 287 8717 or email at Academy@Lowes.co.uk.

www.LowesAcademy.co.uk | 9

R02 Course: Investment Principles and Risk

R02: ‘Investment Principles and Risk’ (20 Credits) The CII’s R02 exam, ‘ Investment Principles and Risk ’ forms part of the Diploma in Regulated Financial Planning and upon successful completion will give you 20 credits at diploma level. Passing the R02 exam isn’t just about having the necessary knowledge and understanding- it’s about being able to apply that knowledge. There are a substantial amount of calculations to remember for the R02 exam, with some of them being quite complex. Again, it is not just about being able to carry out the calculation but also being able to understand what your answer is telling you. The R02 course is suitable for anyone wanting to gain the full CII Level 4 Diploma in Regulated Financial Planning, but would be particularly beneficial for also Paraplanners, Technical Consultants, and those working in financial planning support roles. The exam is for 2 hours and made up of 100 multiple response questions, which require you to select more than one answer. The question will not specify how many answers you need to select, making these quite tricky! R02 has a current pass mark of 65%. R02: The Exam

“Figures show that R02 has a pass rate of just 60%. This is where Lowes Financial Academy can help.”

10 | www.LowesAcademy.co.uk

R02: The Syllabus and Learning Outcomes The syllabus aims to develop the learner’s knowledge and understanding of investment products and the application of the investment advice process. It does this by splitting the learning over 9 learning outcomes:

E x p e c t e d N u m b e r o f Q u e s t i o n s i n E x a m

L e a r n i n g O u t c o m e s

A n a l y s e t h e c h a r a c t e r i s t i c s , i n h e r e n t r i s k s , b e h a v i o u r a n d c o r r e l a t i o n o f a s s e t c l a s s e s

1 7 s t a n d a r d / 1 1 m u l t i p l e r e s p o n s e

U n d e r s t a n d t h e m a c r o - e c o n o m i c e n v i r o n m e n t a n d i t s i m p a c t o n a s s e t c l a s s e s

6 s t a n d a r d

U n d e r s t a n d t h e m e r i t s a n d l i m i t a t i o n s o f t h e m a i n i n v e s t m e n t t h e o r i e s

7 s t a n d a r d

A p p l y t h e p r i n c i p l e s o f t h e t i m e v a l u e o f m o n e y

3 s t a n d a r d

A n a l y s e a n d e x p l a i n t h e n a t u r e a n d i m p a c t o f t h e m a i n t y p e s o f r i s k o n i n v e s t m e n t p e r f o r m a n c e

5 s t a n d a r d

A n a l y s e t h e c h a r a c t e r i s t i c s , i n h e r e n t r i s k s a n d r e l e v a n t t a x c o n s i d e r a t i o n s o f i n v e s t m e n t p r o d u c t s

1 5 s t a n d a r d / 7 m u l t i p l e r e s p o n s e

A p p l y t h e i n v e s t m e n t a d v i c e p r o c e s s

1 1 s t a n d a r d

U n d e r s t a n d t h e p r i n c i p l e s o f i n v e s t m e n t p l a n n i n g

8 s t a n d a r d

A n a l y s e t h e p e r f o r m a n c e o f i n v e s t m e n t s

1 0 m u l t i p l e r e s p o n s e

With the R02 syllabus areas, Learning Outcomes one and six represent half of the available marks between them, with the other half of the marks split between the other seven areas. This will mean more time needs to be spent on these areas- however, these areas will assist in developing a strong understanding of some of the principles that will appear in other areas).

To find out more about the CII’s R02 Course, including the latest course availablity, curent tuition pricing or to register your interest, please click here . Alternatively contact Lowes Financial Academy on 0191 287 8717 or email at Academy@Lowes.co.uk.

www.LowesAcademy.co.uk | 11

R03 Course: Personal Taxation

R03: ‘Personal Taxation’ (10 Credits) The CII’s R03 exam, ‘ Personal Taxation ’ forms part of the Diploma in Regulated Financial Planning and upon successful completion will give you 10 credits at diploma level. As noted on the facing page, there are 4 learning outcomes for the R03 exam, with different weight and emphasis applied to each. However, since the learning outcomes are extremely broad- it is difficult to identify the what will be included in the content of the exam. The R03 course is suitable for anyone wanting to gain the full CII Level 4 Diploma in Regulated Financial Planning, but would be particularly beneficial for also Paraplanners, Technical Consultants, and those working in financial planning support roles.

R03: The Exam

Don’t let the fact that this is only a 1 hour exam worth 10 credits fool you into thinking it will be easy! There are many complex elements to the UK tax system and this is an exam that even the most confident individuals can struggle with. The exam is a 1 hour exam, made up of 50 questions; 39 questions are single response questions and 11 are multiple response questions, which require you to select more than one answer. The question will not specify how many answers you need to select, making these quite tricky! The R03 exam has a current pass mark of 65%.

“Figures show that R03 has a pass rate of just 56%. This is where Lowes Financial Academy can help.”

12 | www.LowesAcademy.co.uk

R03: Learning Outcomes

The objective of this unit is to develop knowledge and understanding of the UK taxation system, and the ability to analyse the taxation treatment of individuals and trusts during the investment advice process. It does this by splitting the learning over 4 learning outcomes:

E x p e c t e d N u m b e r o f Q u e s t i o n s i n E x a m

L e a r n i n g O u t c o m e s

U n d e r s t a n d t h e U K t a x s y s t e m a s r e l e v a n t t o t h e n e e d s a n d c i r c u m - s t a n c e s o f i n d i v i d u a l s a n d t r u s t s A n a l y s e t h e t a x a t i o n o f i n v e s t - m e n t s a s r e l e v a n t t o t h e n e e d s a n d c i r c u m s t a n c e s o f i n d i v i d u a l s a n d A n a l y s e t h e r o l e a n d r e l e v a n c e o f t a x i n t h e f i n a n c i a l a f f a i r s o f i n d i v i d u a l s a n d t r u s t s A p p l y t h e k n o w l e d g e o f p e r s o n a l t a x a t i o n t o t h e p r o v i s i o n o f i n v e s t m e n t a d v i c e

1 5 s t a n d a r d

8 s t a n d a r d / 7 m u l t i p l e r e s p o n s e

6 s t a n d a r d / 4 m u l t i p l e r e s p o n s e

1 0 s t a n d a r d

As mentioned, this is one of the more difficult subjects to ‘question spot’ for- since there are only four syllabus areas and they are so broad. For example, it is not possible to tell how many questions there will be on Capital Gains Tax versus Inheritance Tax so a good level of understanding of all the major taxes will be required.

To find out more about the CII’s R03 Course, including the latest course availablity, curent tuition pricing or to register your interest, please click here. Alternatively contact Lowes Financial Academy on 0191 287 8717 or email at Academy@Lowes.co.uk.

www.LowesAcademy.co.uk | 13

R04 Course: Pensions & Retirement Planning

R04: ‘Pensions and Retirement Planning’ (10 Credits) The CII’s R04 exam, ‘ Pensions and Retirement Planning ’ forms part of the Diploma in Regulated Financial Planning and upon successful completion will give you 10 credits at diploma level. As noted on the facing page, there are 8 learning outcomes for the R04 exam, with different weight and emphasis applied to each. The R04 course is suitable for anyone wanting to gain the full CII Level 4 Diploma in Regulated Financial Planning, but would be particularly beneficial for also Paraplanners, Technical Consultants, and those working in financial planning support roles.

The exam is a 1 hour exam, made up of 50 questions; 39 questions are single response questions and 11 are multiple response questions, which require you to select more than one answer. The question will not specify how many answers you need to select, making these quite tricky! The R04 exam has a current pass mark of 65%. R04: The Exam

“Figures show that R04 has a pass rate of just 58%. This is where Lowes Financial Academy can help.”

14 | www.LowesAcademy.co.uk

R04: The Syllabus and Learning Outcomes

The syllabus aims to develop the learner’s knowledge and understanding of the tax and legal frameworks that govern pensions, as well as the features of different types. It does this by splitting the learning over 8 learning outcomes:

E x p e c t e d N u m b e r o f Q u e s t i o n s i n E x a m

L e a r n i n g O u t c o m e s

U n d e r s t a n d t h e p o l i t i c a l , e c o n o m i c a n d s o c i a l e n v i r o n m e n t f a c t o r s w h i c h p r o v i d e t h e c o n t e x t f o r p e n s i o n s p l a n n i n g U n d e r s t a n d h o w t h e HM R e v e n u e & C u s t o m s ( HM R C ) t a x r e g i m e a p p l i e s t o p e n s i o n s p l a n n i n g U n d e r s t a n d t h e r e l e v a n t a s p e c t s o f p e n s i o n s l a w a n d r e g u l a t i o n t o p e n s i o n s p l a n n i n g U n d e r s t a n d t h e s t r u c t u r e , c h a r a c t e r i s t i c s a n d a p p l i c a t i o n o f D e f i n e d B e n e f i t ( D B ) s c h e m e s t o a n i n d i v i d u a l ’ s p e n s i o n p l a n n i n g A n a l y s e t h e r a n g e o f D e f i n e d C o n t r i b u t i o n ( D C ) s c h e m e o p t i o n s a s t h e y a p p l y t o a n i n d i v i d u a l ’ s p e n s i o n p l a n n i n g

5 s t a n d a r d

1 0 s t a n d a r d

4 s t a n d a r d

7 s t a n d a r d

4 s t a n d a r d / 2 m u l t i p l e r e s p o n s e

A n a l y s e t h e o p t i o n s a n d f a c t o r s t o c o n s i d e r f o r d r a w i n g p e n s i o n b e n e f i t s

5 s t a n d a r d / 4 m u l t i p l e r e s p o n s e

E x p l a i n t h e s t r u c t u r e , r e l e v a n c e a n d a p p l i c a t i o n o f S t a t e S c h e m e s t o a n i n d i v i d u a l ’ s p e n s i o n p l a n n i n g E v a l u a t e t h e a i m s a n d o b j e c t i v e s o f r e t i r e m e n t p l a n n i n g , i n c l u d i n g t h e r e l e v a n t i n v e s t m e n t i s s u e s

4 s t a n d a r d

5 s t a n d a r d

To find out more about the CII’s R04 Course, including the latest course availablity, curent tuition pricing or to register your interest, please click here. Alternatively contact Lowes Financial Academy on 0191 287 8717 or email at Academy@Lowes.co.uk.

www.LowesAcademy.co.uk | 15

R05 Course: Financial Protection

R05: ‘Financial Protection’ (10 Credits) The CII’s R05 exam, ‘ Financial Protection’ forms part of the Diploma in Regulated Financial Planning and upon successful completion will give you 10 credits at diploma level. As noted on the facing page, there are 10 learning outcomes for the R05 exam, with different weight and emphasis applied to each. The R05 course is suitable for anyone wanting to gain the full CII Level 4 Diploma in Regulated Financial Planning, but would be particularly beneficial for also Paraplanners, Technical Consultants, and those working in financial planning support roles.

The exam is a 1 hour exam, made up of 50 questions; all of which are multiple response questions, which require you to select more than one answer. The question will not specify how many answers you need to select! The R05 exam has a current pass mark of 65%. R05: The Exam

“Figures show that R05 has a pass rate of just 76%. This is where Lowes Financial Academy can help.”

16 | www.LowesAcademy.co.uk

R05: The Syllabus and Learning Outcomes

The syllabus aims to develop the learner’s knowledge and understanding of financial protection products, how they interact with State Benefits, the main features of contracts and the main protection needs of businesses. It does this by splitting the learning over 10 learning outcomes:

E x p e c t e d N u m b e r o f Q u e s t i o n s i n E x a m

L e a r n i n g O u t c o m e s

U n d e r s t a n d t h e c o n s u m e r a n d r e t a i l m a r k e t f a c t o r s a n d t r e n d s r e l e v a n t t o f i n a n c i a l p r o t e c t i o n . U n d e r s t a n d t h e a r e a s o f n e e d f o r p r o t e c t i o n p l a n n i n g a n d t h e m a i n s o u r c e s o f f i n a n c i a l p r o t e c t i o n . U n d e r s t a n d t h e r o l e a n d l i m i t a t i o n s o f S t a t e b e n e f i t s a n d s t a t e / l o c a l a u t h o r i t y f u n d e d s o l u t i o n s f o r f i n a n c i a l p r o t e c t i o n . U n d e r s t a n d t h e r a n g e , s t r u c t u r e a n d a p p l i c a t i o n o f l i f e a s s u r a n c e a n d p e n s i o n b a s e d p o l i c i e s t o m e e t f i n a n c i a l p r o t e c t i o n n e e d s . U n d e r s t a n d t h e t a x a t i o n t r e a t m e n t o f l i f e a s s u r a n c e a n d p e n s i o n b a s e d p r o t e c t i o n p o l i c i e s U n d e r s t a n d t h e r a n g e , s t r u c t u r e a n d a p p l i c a t i o n o f i n c o m e p r o t e c t i o n i n s u r a n c e a n d o p t i o n s t o m e e t f i n a n c i a l p r o t e c t i o n n e e d s U n d e r s t a n d t h e r a n g e , s t r u c t u r e a n d a p p l i c a t i o n o f c r i t i c a l i n s u r a n c e t o m e e t f i n a n c i a l U n d e r s t a n d t h e r a n g e , s t r u c t u r e a n d a p p l i c a t i o n o f l o n g - t e r m c a r e i n s u r a n c e t o m e e t f i n a n c i a l p r o t e c t i o n n e e d s U n d e r s t a n d t h e m a i n f e a t u r e s o f o t h e r i n s u r a n c e b a s e d p r o t e c t i o n p o l i c i e s E v a l u a t e t h e n e e d s a n d p r i o r i t i e s f o r f i n a n c i a l p r o t e c t i o n a n d t h e r e l e v a n t f a c t o r s i n s e l e c t i n g a p p r o p r i a t e s o l u t i o n s .

3 questions

3 questions

3 questions

8 questions

6 questions

6 questions

6 questions

3 questions

6 questions

6 questions

To find out more about the CII’s R05 Course, including the latest course availablity, curent tuition pricing or to register your interest, please click here. Alternatively contact Lowes Financial Academy on 0191 287 8717 or email at Academy@Lowes.co.uk.

www.LowesAcademy.co.uk | 17

What Next?

18 | www.LowesAcademy.co.uk

“Studies show that individuals have a higher success rate when they have had access to the right support...”

Lowes Financial Academy: Get in Touch If you feel that learning with Lowes Financial Academy is the right route for you, or if you would like any further information, please do not hesitate to reach out to our knowledgable, friendly tutors via any of the channels below. Call: 0191 287 8717 Visit: LowesAcademy.co.uk Email: Academy@Lowes.co.uk

Lowes Financial Academy: Stay in the Loop To stay informed on the latest news from Lowes Financial Academy, including course dates, information about course materials and interesting industry news, please follow our various social media channels.

Lowes Financial Academy

Lowes Financial Academy

@AcademyLowes

If you have any queries regarding the content of this guide, or if you would like clarification on any of the services we offer, our tutors will be happy to assist. Please contact us on any of the channels detailed above.

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“ B e B e t t e r , L e a r n B e t t e r . . . ”

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