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[null,"Find out about becoming a partner ",null,null,null,null,"here"]

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[]
[null,"Foundations",null,null,"Step 1. Map your practitioners' coverage",null,"Step 1. Map your practitioners' training",null,null,null,"Step 2. Assess the confidence of your practitioners",null,"Step 3. Review"]
[null,"Skills and behaviours: A.Personal qualities and attributes, B. Transferable skills, C. Self-management\nKnowledge and compliance: D. The boundaries of your service and of your role, E. Signposting customers, F. Compliance and safeguarding",null,null,"These are the 'must haves' for all Money Guiders; they have been pre-selected for you ",null,"Select yes or no to indicate if your practitioners  have completed any recent training or CPD e.g. in the last three years. You can also indicate if your organisation recruits for specific skills or knowledge. ",null,null,null,"1. not at all confident\n2. somewhat confident\n3. mostly confident\n4. fully confident\n",null,"Choose some areas for development and give them a timeframe e.g. short-term (within 12 months), longer-term (12 months+)"]
[null,null,null,null,null,null,"Training","Coaching, mentoring, supervision, other","Included in recruitment"]
[null,"A:\nPersonal qualities and attributes:\nThese qualities are at the core of The Framework. The breadth and complexity of information and guidance on money management and financial wellbeing means that practitioners need to draw deeply upon their personal qualities to handle the demands of the role.\n","A1 Personal Integrity","A1.1\nThose who offer guidance act with integrity and professionalism."]
[null,null,null,"A1.2 \nPractitioners demonstrate a commitment to equal opportunities."]
[null,null,"A2. Self-awareness","A2.1\nPractitioners know their own strengths and limitations. "]
[null,null,null,"A2.2\nPractitioners can use failure or misjudgement as an opportunity for learning."]
[null,null,null,"A2.3\nPractitioners have an awareness of their own emotions, know how to control them, adapting them appropriately to the situation. "]
[null,null,null,"A2.4\nAware of personal impact on others, particularly when under pressure."]
[null,null,"\nA3. Impartiality\n","A3.1\nPractitioners provide guidance impartially, both in terms of the information provided and in terms of any organisations  the customer is signposed to. "]
[null,null,null,"A3.2\nPractitioners are objective, without allowing themselves to be influenced by their own personal feelings or opinions. "]
[null,null,null,"A3.3\nPractitioners are empathetic and sensitive to the wishes of the customer, but do not allow these feelings of empathy to cloud the  advice and guidance they provide. "]
[null,null,null,"A3.4\nPractitioners are aware of actual and potential conflicts of interest that relate to the guidance they provide  and  that actions need to be taken in those circumstances."]
[null,null,"A4. Diplomacy","A4.1\nPractitioners are diplomatic, sensitive and skillful in managing relations with others."]
[null,null,null,"A4.2\nPractitioners are able to maintain a positive attitude."]
[null,null,null,"A4.3\nPractitioners are reliable.  "]
[null,null,"A5. Flexibility","A5.1\nPractitioners are  flexible in their approach, showing awareness and understanding of the needs and preferences of others."]
[null,null,"A6. Rapport building","A6.1\nPractitioners  can empathise with a customer’s situation."]
[null,null,null,"A6.2\nPractitioners  can gauge a customer’s current level of confidence and their ability to manage their money."]
[null,null,null,"A6.3\nWhen working face to face with customers, practitioners  understand the importance of non-verbal communication, such as body language, and how different cultures use and interpret body language in different ways."]
[null,null,null,"A6.4\nPractitioners have an understanding of the importance of building trust and rapport with others, and methods for achieving this in different situations (e.g. over the phone, individuals and in groups) and for a range of people, including customers with challenging behaviours."]
[null,"B: Transferable skills\nStrong transferrable skills are fundamental to the provision of impartial guidance on money management and financial wellbeing.  This includes working well with others – including colleagues and other agencies – as well as correctly using the appropriate organisational systems and procedures, keeping accurate records and attention to detail. Practitioners should also have good levels of literacy and numeracy to communicate what can often be complex information in a straightforward and understandable way\n","B1. Literacy","B1.1\nPractitioners can spell and use punctuation accurately, particularly when required to record customer information"]
[null,null,null,"B1.2\nPractitioners produce accurate and succinct writing for record-keeping and making referrals:  practitioners working at Tiers 2&3 only"]
[null,null,"B2. Numeracy","B2.1\nPractitioners have the ability to reason and apply numerical concepts and understand fundamental arithmetic (i.e. addition, subtraction, multiplication and division)."]
[null,null,null,"B2.2\nPractitioners can calculate fractions; percentages; simple and compound interest where required: practitioners working at Tiers 2&3 only -  not applicable for individuals working at tier 1."]
[null,null,"B3. IT","B3.1\nPractitioners have the computer skills to ensure accurate records can be maintained, and relevant information can be accessed in a timely, secure manner. "]
[null,null,"B4. Digital","B4.1\nDepending on the role, practitioners are able to use online tools and calculators, as well as comparison sites (e.g. mortgage and/or benefits calculators) and can apply an element of critical analysis to judge the relevance and legitimacy of the information being presented."]
[null,null,"B5. Attention to detail","B5.1\nPractitioners are able to maintain clear and accurate records by paying attention to detail (including any reference numbers and codes; information about customers’ circumstances)."]
[null,null,"B6. Communication","B6.1   \nPractitioners can communicate effectively both verbally and in writing. "]
[null,null,null,"B6.2\nWhen communicating with others, practitioners use appropriate language, respecting equality and diversity and, where relevant, use appropriate non-verbal cues."]
[null,null,"B7. Working with others","B7.1\nPractitioners can identify and confirm the needs and expectations of colleagues and customers, establishing and maintaining productive working relationships with relevant people."]
[null,null,null,"B7.2\nPractitioners have the ability to deal with disagreements in an amicable and constructive way to maintain good relationships. "]
[null,null,null,"B7.3\nWhere appropriate, practitioners can contribute actively to effective team working by co-operating with colleagues using appropriate methods of communication."]
[null,null,null,"B7.4\nWhere appropriate, practitioners can identify conflices which may cause problems to productivity and promptly seek solutions from the responsible person"]
[null,null,"B8. Record-keeping","B8.1\nPractitioners can record relevant information in a manner which is easy to follow and allows other workers to understand it, ensuring that information is grouped logically and is readily accessible."]
[null,null,null,"B8.2\nPractitioners can identify barriers or factors that might impact on outcomes and exchange information according to organisational procedures. "]
[null,"C: Self-management\nThis domain is about maintaining adequate knowledge and skills to deliver a good service and, in some cases, developing knowledge and skills in order to provide guidance at a higher tier. This may mean keeping up to date on financial matters, for example, updates to legislation and regulations and key organisations which is important for ensuring that practitioners are giving accurate and up to date information, and for knowing where to signpost customers. In addition, it may involve self-reflection, gaining knowledge or improving skills. Practitioners may develop their practice using either formal and/or informal methods.\n","C1. Self-management","C1.1\nSelf-management, supported by emotional self-awareness, enables practitioners to regulate their own behaviour, even when provoked. "]
[null,null,null,"C1.2\nPractitioners recognise the limits of their authority and know the actions to be taken when that limit is reached. "]
[null,null,null,"C1.3\nPractitioners are tenacious and resilient in the face of difficulty. "]
[null,null,null,"C1.4\nPractitioners are able to cope with an increasingly complex environment – with the blurring of organisational boundaries and the requirement to work in partnership with other organisations (e.g. when making or taking referrals). "]
[null,null,null,"C1.5\nPractitioners take appropriate time for reflection and seek out appropriate personal support when needed, for example when/after dealing with complex or traumatic cases."]
[null,null,"C2. Improve practice","C2.1\nPractitioners are able to accept feedback/criticism in a positive manner and assess its validity and importance. "]
[null,null,null,"C2.2\nPractitioners seek to evaluate their own performance, either against set targets and goals, or by reflecting on their own work and actions. "]
[null,null,null,"C2.3\nPractitioners can set and prioritise clear and realistic goals and targets for their own development. "]
[null,null,null,"C2.4\nPractitioners can use a range of valid and reliable evidence to assess their work, including assessing the effects of their behaviour and values on others, as a critical part of improving their own practice and continuing professional development."]
[null,null,"C3. Continuing professional development","C3.1\nPractitioners keep up to date with legislation, codes of practice and guidelines, and understand the importance of complying with national, local, professional and organisational requirements. "]
[null,null,null,"C3.2\nPractitioners maintain an understanding of the limitations of their role, their own limits and those of the service. "]
[null,null,null,"C3.3\nPractitioners maintain the required soft skills necessary to deal with customers e.g. effective communication skills."]
[null,"D: The boundaries of your service and of your role\n\nEvery practitioner must be aware of what they can and cannot say to customers, depending on the organisation he or she works for, and depending on the type of advice and guidance being given. \n","D1. Regulated financial products and activities\nNB: The Financial Conduct Authority (FCA) maintains a list of financial activities they regulate at www.fca.org.uk/firms/authorisation/how-to-apply/activities","D1.1\nPractitioners understand the scope of information and guidance which can be provided in their role, and that ‘advice’ and recommendations are regulated activities.  "]
[null,null,null,"D1.2\nPractitioners have a broad understanding of the types of activities that are beyond the remit of their role (e.g debt advice, consumer credit, investment businesses, funeral plan contracts, electronic money, insurance business and distribution, operating a dormant account, home finance)."]
[null,null,null,"D1.3\nPractitioners understand the difference between providing information and guidance, and advice, particularly with relevance to regulated financial products and activities."]
[null,null,"D2. Introduce the service to others","D2.1\nPractitioners provide information to customers about the service they are providing, including explaining what information they can and cannot provide."]
[null,null,null,"D2.2\nPractitioners provide information to customers about the service they are providing, including explaining any costs and fees associated with using the service, if applicable."]
[null,null,"D3. Providing support within the limits of your role","D3.1\nPractitioners can provide information and guidance within the limits of relevant financial regulations and in line with organisational policies and procedures and how to check customers’ understanding."]
[null,null,null,"D3.2\nWhere appropriate practitioners can agree with customers any further activities that are necessary to meet their needs."]
[null,null,null,"D3.3\nPractitioners can identify any needs that cannot be met and refer customers to alternative sources in line with organisation policies and procedures."]
[null,null,null,"D3.4\nPractitioners know of local and/or national organisations to which customers can be signposted or referred."]
[null,null,null,"D3.5\nPractitioners know of relationships between their organisation and other external organisations and agencies to which customers can be signposted or referred."]
[null,"E: Signposting customers\nAll practitioners – no matter their job role – must be able to elicit simple, factual information from the customer in order to signpost them to appropriate sources of further support, advice or information. \n","E1. Obtaining information","E1.1\nPractitioners are aware of different reasons customers may have for seeking information."]
[null,null,null,"E1.2\nPractitioners are aware of the type of information or areas in which support might be sought (e.g. debt, borrowing, welfare and benefits)."]
[null,null,null,"E1.3\nPractitioners are aware of the importance of timely action."]
[null,null,null,"E1.4\nPractitioners can ask basic questions to obtain information about the customer’s circumstances."]
[null,null,"E2. Signpost","E2.1\nPractitioners can signpost the customer to appropriate sources of further information or support, in line with organisational procedures."]
[null,null,null,"E2.2\nWhere red flags are identified, practitioners alert customers and/or refer them to appropriate authorities (e.g. police, food bank, shelters) – as per their organisation’s own policy."]
[null,"F: Compliance and safeguarding\nThis domain is about working legally and safely. This means working in compliance with the relevant regulations, legislation and organisational procedures that govern confidentiality and data protection, as well as those that protect the rights of customers. Practitioners must also work safely to protect themselves and others from any physical risk\nor hazards.\n","F1. Handle information safely and securely","F1.1\nPractitioners understand the legal requirements for the protection of personal data (Data Protection Act, GDPR)."]
[null,null,null,"F1.2\nPractitioners apply organisational protocols and principles for the storage and security of personal data."]
[null,null,null,"F1.3\nPractitioners understand and respect individuals’ right to confidentiality. "]
[null,null,null,"F1.4\nPractitioners understand who is entitled to access records/data."]
[null,null,null,"F1.5\nPractitioners keep accurate records in line with security, confidentiality and data protection."]
[null,null,null,"F1.6\nPractitioners handle and destroy data safely."]
[null,null,"F2. Health and safety","F2.1\nPractitioners understand and comply with health and safety procedures in the workplace."]
[null,null,"F3. Safeguarding","F3.1\nPractitioners understand that vulnerable groups can be particularly at risk of financial and other types of abuse. "]
[null,null,null,"F3.2\nPractitioners understand that they may be required to undergo certain checks (e.g. Disclosure and Barring Service) to provide face to face guidance to certain groups."]
[null,null,null,"F3.3\nPractitioners support practices that help to safeguard individuals from harm or abuse."]
[null,null,null,"F3.4\nPractitioners are aware of the appropriate actions to take when faced with cases of actual or potential harm or abuse. "]
[null,null,null,"F3.5\nPractitioners know of organisations and agencies to which safeguarding concerns can or should be reported."]
[null,null,"F4. Dealing with poor, illegal or unsafe practice","F4.1\nPractitioners understand how to identify poor, illegal or unsafe practice. "]
[null,null,null,"F4.2\nPractitioners understand their own responsibilities for reporting bad, illegal or unsafe practice."]
[null,null,null,"F4.3\nPractitioners understand the escalation procedures and systems for reporting (internally and to outside agencies)."]

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[]
[null,"OVERVIEW OF TECHNICAL DOMAINS AND TIERS\nEach of the 12 domains is tiered, according to the level of complexity.  All domains have at least one tier, others have up to three. \nSelect yes for the domains and tiers that relate to your practitioners' offer."]
[null,null,"Tier 1","Tier 2","Tier 3"]
[null,null,"At this level, practitioners in your organisation:\n• provide customers with factual information (or access to the information) enabling them to do more about their own situation\n• have a general awareness of other services or resources that might be able to offer further help and advice and part of this role involves signposting customers to these\n• can explain terminology or provide clarification of a document (e.g a bank statement)\n• do not provide information or guidance tailored to customers’ circumstances, but provide generalist information which customers act on\n• ensure responsibility for further action lies with the customer\n\n","At this level, practitioners  in your organisation:\n• focus on customers’ individual circumstances, exploring their needs, setting out options available to them and identifying implications and  consequences of actions\n• may see the same customer(s) on an ongoing basis\n• may offer practical assistance with interpreting letters and forms\n• signpost customers to other sources and agencies and  might formally refer customers to other organisations\n• may offer some coaching to improve their customer's financial capability and money management skills \n\n\n","At this level, practitioners in your organisation:\n• focus on specialist areas of bespoke information provision\n• will likely specialise in a particular area such as benefits and welfare, or housing\n• have an In-depth knowledge of the relevant regulations and organisations, as well as features of specific products and services\n• have well-developed questioning and listening skills, and the confidence to deal with complex cases\n• may be involved with case work\n\n"]
[null,"1.     Knowing your customer",{"$f":"IF(D5=\"Yes\",\"Yes\",\"No\")","v":"No"},"No"]
[null,"2.     Debt","No"]
[null,"3.     Borrowing","No","No"]
[null,"4.     Welfare and benefits",{"$f":"IF(D8=\"Yes\",\"Yes\",\"No\")","v":"No"},"No"]
[null,"5.     Budgeting and cashflow","No","No","No"]
[null,"6.     Savings","No","No"]
[null,"7.     Investments","No","No","No"]
[null,"8.     Taxation","No","No","No"]
[null,"9.     Insurance","No","No"]
[null,"10.  Households",{"$f":"IF(D14=\"Yes\",\"Yes\",\"No\")","v":"No"},{"$f":"IF(E14=\"Yes\",\"Yes\",\"No\")","v":"No"},"No"]
[null,"11.  Pensions","No","No","No"]
[null,"12.  Planning for later life",{"$f":"IF(D16=\"Yes\",\"Yes\",\"No\")","v":"No"},{"$f":"IF(E16=\"Yes\",\"Yes\",\"No\")","v":"No"},"No"]
[]
[]
[]
[]
[]
[]
[null,null,"  "]

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[]
[]
[null,"Technical domains and tiers",null,"Step 1. Map your practitioners' coverage",null,"Step 1. Map your practitioners' training",null,null,null,"Step 2. Assess the confidence of your practitioners",null,"Step 3. Review"]
[null,"DOMAIN 1: KNOWING YOUR CUSTOMER",null,"Indicate the competencies where your practitioners provide guidance and where your practitioners do not provide guidance yet",null,"Select yes or no to indicate if your practitioners have completed any recent training or other CPD e.g in the last 3 years. You can also indicate if your organisation recruits for specific skills or knowledge.",null,null,null,"1. - not at all confident\n2. - somewhat confident\n3. - mostly confident\n4. - mostly confident\n",null,"Choose some areas for development and give them a timeframe e.g. short term (within 12 months), longer term (12 months+)"]
[null,null,null,null,null,"Training","Coaching, mentoring, supervision,  other","Included in recruitment"]
[null,"TIER 1"]
[null,"1.1.1","Ask questions and listen carefully to the customers’ responses, clarifying when appropriate, to determine the complexity and urgency of need."]
[null,"1.1.2","Aware of the holistic nature of money guidance, and that many areas are linked (e.g. debt and benefits; homes and mortgages and borrowing etc.)."]
[null,"1.1.3","Aware of the ways in which life events can affect an individual’s circumstances, for example:\n• illness \n• having a baby or child, including adopting and fostering\n• new job, moving jobs, redundancy\n• bereavement\n• divorce, separation and relationship breakdown\n• major purchases\n"]
[null,"1.1.4","Aware of the ‘red flags’ indicating urgent need and/or vulnerability, and how to identify them:\n• risk of self-harm/safeguarding risk\n• no food\n• risk of homelessness\n• bailiff/sheriff officers and/or enforcement action\n• economic and financial abuse\n"]
[null,"1.1.5","Aware of Power of Attorney and third party access."]
[null,"1.1.6     ","Aware of scams and what to do if a customer has been the subject of a scam."]
[null,"TIER 2"]
[null,"1.2.1","Ask detailed and probing questions, listening carefully to:\n• understand customers’ own awareness of their need and their level of prior understanding\n• understand if customers’ circumstances have recently changed or if they are likely to\n• explore options, their pros and cons and whether alternatives might be more suitable (e.g. saving instead of borrowing) to the customers’ circumstances Identify any additional problems or needs\n"]
[null,"1.2.2","Ask detailed and specific questions about customers’ individual circumstances which may include personal data and sensitive information."]
[null,"1.2.3","Helpcustomers to identify their own issues, goals and priorities, including any potential challenges or barriers."]
[null,"1.2.4","Check customers’ understanding of their options, assessing their level of understanding through questioning."]
[null,"1.2.5","Clarify customers’ goals, expectations and, where appropriate, an understanding of the service and its policies. "]
[null,"1.2.6","Conduct research\n• Into local, regional and national agencies for signposting and referrals\n• To identify up to date information concerning the customers’ need or issue\n• To find out, understand and use evidence and insight that relates to delivering money guidance\n"]
[null,"1.2.7","Understand how much information should be provided for different types of customers/what type of information is suitable."]
[null,"1.2.8","Understand how to address concerns about fraud or identity theft."]
[null,"1.2.9","Facilitate customers to act on their own behalf, where appropriate with the aim of empowering them to manage their own affairs and change behaviours."]
[]
[null,"DOMAIN 2: DEBT\n"]
[null,"TIER 1"]
[null,"2.1.1 ","Aware of the common types of debt on which customers typically seek advice and guidance (e.g. credit  cards, loans, council tax/rates etc.)."]
[null,"2.1.2     ","Aware of the difference between priority and non-priority debts."]
[null,"2.1.3     ","Aware off the likely triggers for debt."]
[null,"2.1.4","Aware of reasons why individuals might seek out loans from illegal or dubious source such as loan sharks, family and friends and typical issues this can cause."]
[null,"2.1.5","Determine if customers are managing to keep up with payments, if they cannot cope, or if there is an urgent situation (e.g. enforcement agents)."]
[null,"2.1.6","Signpost or refer customers to appropriate local and national organisations that provide advice and guidance  on debt issues and sources of support."]
[null,"2.1.7","Support customers in accessing online portals and using toolkits, which might include completing information on their behalf."]
[null,"2.1.8","Orovide factual information in response to specific, targeted questions (e.g. describing a debt management plan; individual voluntary arrangement etc.)."]
[null,"2.1.9     ","Aware of scams and what to do if a customer has been the subject of a scam."]
[]
[]
[]
[null,"DOMAIN 3: BORROWING\n"]
[null,"TIER 1"]
[null,"3.1.1 ","Aware of main sources of credit and lending and the differences between them."]
[null,"3.1.2     ","Aware of sources of illegal or informal money lending, such as loan sharks, family and friends."]
[null,"3.1.3     ","Aware of the sources of affordable credit available those with poor credit history, such as credit unions."]
[null,"3.1.4","Aware of how to work out the costs involved in borrowing."]
[null,"3.1.5","Aware of the difference between secured and unsecured borrowing."]
[null,"3.1.6","Aware of the process of buying a home (e.g. securing a mortgage; valuation and surveys; removals etc.)."]
[null,"3.1.7","Signpost or refer customers to appropriate sources of information on loans and other products, including price comparison sites."]
[null,"3.1.8","Aware of scams and what to do if a customer has been the subject of a scam."]
[null,"TIER 2"]
[null,"3.2.1 ","Knowledge of how guarantor loans operate."]
[null,"3.2.2","Knowledge of credit scores, how they can be affected (including how they can be improved) and how they are used."]
[null,"3.2.3","Knowledge of how to correct incorrect information on a credit file."]
[null,"3.2.4","Knowledge of the range of sources of credit and borrowing."]
[null,"3.2.5","Knowledge of the types of products that are available to individuals with poor credit history."]
[null,"3.2.6","Knowledge of sources of guidance for calculating interest and repayments, such as online calculators ."]
[null,"3.2.7","Knowledge of credit reference agencies and organisations."]
[null,"3.2.8","Knowledge of how to use price comparison sites, calculators and other tools, and advise customers on their use."]
[null,"3.2.9","Knowledge of the typical costs involved in moving home (e.g. removal, storage; furnishings and decoration etc.)."]
[null,"3.2.10","Knowledge of the up-front and ongoing costs involved in home-ownership (legal fees; stamp duty/land transaction tax; maintenance etc.)."]
[null,"3.2.11","Knowledge of the factors that are taken into account by lenders when making a mortgage offer."]
[null,"3.2.12","Knowledge of government and other low-cost buying and ‘assist-to-buy’/assisted home ownership schemes (including shared ownership)."]
[null,"3.2.13","I have knowledge of the different types of mortgages (e.g. interest-only; variable rate; tracker etc.)."]
[]
[]
[]
[null,"DOMAIN 4: WELFARE AND BENEFITS\n"]
[null,"TIER 1"]
[null,"4.1.1 ","Aware of the main benefits available, covering the life events relevant to customers (e.g. births, deaths, bringing up children, divorce/separation, job loss, retirement, illness and disability, caring)."]
[null,"4.1.2     ","Aware of which agencies and offices administer different types of benefits (e.g. DWP, HMRC, Local Authorities etc.)."]
[null,"4.1.3     ","Aware of which organisations offer specialist benefits advice and tools for benefits calculations, familiarity with websites and how to refer customers to them."]
[null,"4.1.4","Aware of Appointeeships."]
[null,"4.1.5","Identify any vulnerabilities in customers which may prove a barrier to making or managing a successful benefit claim (or dealing with a benefits problem)."]
[null,"4.1.6","Signpost to relevant sources of support (e.g. literacy and numeracy, mental health, substance misuse, physical mobility, digital confidence and access, economic or domestic abuse)."]
[null,"4.1.7","Aware of scams and what to do if a customer has been the subject of a scam."]
[null,"TIER 2"]
[null,"4.2.1 ","Knowledge of the application process for welfare benefits and the basic information required (e.g. which forms of ID are acceptable, which banks offer fee-free basic bank accounts, how to provide proof of address etc.)."]
[null,"4.2.2","Knowledge of the financial considerations of making and managing a Universal Credit claim (e.g. payment in arrears, needing a transactional bank account, managing five-week wait for first payment etc.)."]
[null,"4.2.3","Knowledge of other government and non-government sources of support (e.g. Budgeting loans and  advances, local welfare assistance funds, grants and discounts etc.)."]
[null,"4.2.4","Knowledge of the range of government benefits and statutory payments available and the ability to use this  to explore a customer’s situation to give an indication of the benefits that are likely to be available to them"]
[null,"4.2.5","Understanding of the main eligibility criteria of benefit entitlement, appropriate to the individual and how a change in their circumstance can affect this."]
[null,"4.2.6","Knowledge of where to signpost people to start benefits application, appropriate to the individual."]
[null,"4.2.7","Understanding of the principles of Universal Credit."]
[null,"4.2.8","Understanding of the process involved and impact on the customer when moving from legacy benefits onto UC and where to signpost for further support."]
[null,"4.2.9","Understanding of how the principle of means testing affects benefit eligibility and entitlement (e.g. how total household income and savings will affect benefits)."]
[null,"4.2.10","Understanding of potential triggers within the benefits system for increased financial hardship and to explain to the customer how to mitigate (e.g. coping with gaps in benefit payments, sanctions, drop in income from migration to UC etc.)."]
[null,"4.2.11","Understanding of how to use benefits calculator tools to assist a customer to get a better sense of how much they are likely to get, check if they will be better or worse off when moving from legacy benefits to UC."]
[null,"4.2.12","Signpost to appropriate support for disputing a benefits decision."]
[]
[]
[]
[null,"DOMAIN 5: BUDGETING AND CASHFLOW\n\n"]
[null,"TIER 1"]
[null,"5.1.1 ","Aware of the principles of budgeting."]
[null,"5.1.2     ","Aware of available tools to assist with budgeting and planning."]
[null,"5.1.3     ","Aware of methods for reducing household outgoings (e.g. switching energy or mobile provider etc.)."]
[null,"5.1.4","Aware of ways of increasing income (e.g. checking customers are receiving all the benefits to which they are entitled, selling unwanted goods etc.)."]
[null,"5.1.5","Aware of the different types of bank accounts (e.g. current, savings, joint etc.) and the differences between them."]
[null,"5.1.6","Aware of the basic process of how to open a bank account, including the suitable documentation needed."]
[null,"5.1.7","Aware of how to set up regular payments (e.g. standing orders, direct debits)."]
[null,"5.1.8","Understanding of why a bank account is useful (e.g. keeping money secure; managing income/outgoings; receiving payments etc.)."]
[null,"5.1.9","Signpost or refer customers to appropriate sources of information on insurance products, including price comparison sites."]
[null,"5.1.10","Aware of scams and what to do if a customer has been the subject of a scam."]
[null,"TIER 2"]
[null,"5.2.1 ","Knowledge of how to complete (or assist/guide) a straight-forward personal budget sheet/financial statement."]
[null,"5.2.2","Knowledge of methods for reducing monthly outgoings."]
[null,"5.2.3","Knowledge of how to make digital payments and use online digital banking facilities and apps."]
[null,"5.2.4","Knowledge of typical day to day and often overlooked expenses that should be budgeted for."]
[null,"5.2.5","Knowledge of the advantages and risks of using fin-tech (e.g. money management apps, online/ mobile banking, digital payments etc.) and how it can assist with budgeting and monitoring income and outgoings."]
[null,"5.2.6","Knowledge of how to address concerns about fraud or identity theft."]
[null,"5.2.7","Knowledge of basic banking product features, benefits, exclusions and warranties."]
[null,"5.2.8","Knowledge of a variety of methods of income maximisation."]
[null,"TIER 3"]
[null,"5.3.1 ","Detailed knowledge of how to draw up a comprehensive budget and use a budget planner to break down spending."]
[null,"5.3.2","Detailed knowledge of how to use toolkits and online calculators and how to advise on getting the best out of them."]
[null,"5.3.3","Facilitate customers to act on their own behalf where appropriate, with the aim of empowering them to  budget and manage cashflow independently and change their behaviour."]
[]
[]
[]
[null,"DOMAIN 6: SAVINGS\n\n\n"]
[null,"TIER 1"]
[null,"6.1.1 ","Aware of the benefits of saving."]
[null,"6.1.2     ","Aware of strategies to help people save and overcome behavioural barriers (e.g. using a separate account for saving; saving on payday rather than at the end of the month etc.)."]
[null,"6.1.3     ","Aware of the differences between saving versus borrowing."]
[null,"6.1.4","Aware of the difference between savings and investments."]
[null,"6.1.5","Aware of the availability of a broad range of savings products on the market, including informal savings products."]
[null,"6.1.6","Aware of how to set up regular payments into a savings account."]
[null,"6.1.7","Aware of how to compare the features of different savings products."]
[null,"6.1.8","Signpost or refer customers to appropriate sources of information on savings products, including price comparison sites."]
[null,"6.1.9","Aware of scams and what to do if a customer has been the subject of a scam."]
[null,"TIER 2"]
[null,"6.2.1 ","Understanding of how to calculate the affordability of saving and the factors to take into account (e.g. using a budget planner)."]
[null,"6.2.2","Understanding of how to calculate the minimum savings required to provide security for an individual, based on their individual circumstances (e.g. income and outgoings)."]
[null,"6.2.3","Understanding of the difference between simple and compound interest."]
[null,"6.2.4","Understanding of ways of maximising savings."]
[null,"6.2.5","Understanding of the circumstances in which investments may be suitable for an individual to consider, and the risks involved."]
[null,"6.2.6","Understanding of mechanisms and behaviours for developing a savings habit."]
[null,"6.2.7","Knowledge of the broad range of savings products available on the market (e.g. easy access, notice savings, ISAs etc.)."]
[null,"6.2.8","Knowledge of the range of accounts available for different age groups (e.g. children’s accounts and trusts etc.) the range of taxable and non-taxable savings products, the advantages and disadvantages of each."]
[null,"6.2.9","Knowledge of ways of increasing tax efficiency (e.g. use of tax-free savings products: ISAs etc.)."]
[null,"6.2.10","Knowledge of the Personal Savings Allowance."]
[]
[]
[]
[null,"DOMAIN 7: INVESTMENTS\n\n\n"]
[null,"TIER 1"]
[null,"7.1.1 ","Aware of what an investment is."]
[null,"7.1.2     ","Aware of the concept or risk versus reward and how this applies to investments."]
[null,"7.1.3     ","Aware of scams and what to do if a customer has been the subject of a scam."]
[null,"TIER 2"]
[null,"7.2.1 ","Knowledge of different types of investment products."]
[null,"7.2.2","Aware of investment principles."]
[null,"7.2.3","Aware of trader funds."]
[null,"7.2.4","Aware of what ‘shares’ are."]
[null,"7.2.5","Aware of the rules of the use of Individual Savings Accounts (ISAs)."]
[null,"7.2.6","Aware of the practice of ‘wrapping investments’."]
[null,"TIER 3"]
[null,"7.3.1 ","Knowledge of regulated and unregulated products."]
[null,"7.3.2","Knowledge of asset classes and diversification."]
[null,"7.3.3","Knowledge of how shares and investments work."]
[null,"7.3.4","Knowledge of different funds and how they are valued."]
[null,"7.3.5","Knowledge of investment charges."]
[null,"7.3.6","Knowledge of where to get detailed information about investments."]
[null,"7.3.7","Knowledge of the types of fees of Independent Financial Advisers (IfAs)."]
[null,"7.3.8","Knowledge of the importance of using an IfA."]
[]
[]
[]
[null,"DOMAIN 8: TAXATION\n \n\n\n"]
[null,"TIER 1"]
[null,"8.1.1 ","Knowing there is an issue - awareness of, and signposting to, relevant source and information (e.g. to websites and to HMRC website etc.)."]
[null,"8.1.2     ","Aware of tax related communications from HMRC."]
[null,"8.1.3     ","Aware of tax bands and of personal allowances (e.g. married persons allowance)."]
[null,"8.1.4","Aware of saving allowances."]
[null,"8.1.5","Aware of issues around income tax, capital gains tax and inheritance tax."]
[null,"8.1.6","Aware of the differences between employment and self-employment."]
[null,"8.1.7","Signpost or refer customers to appropriate sources of information on taxation."]
[null,"8.1.8","Aware of scams and what to do if a customer has been the subject of a scam."]
[null,"TIER 2"]
[null,"8.2.1 ","Knowledge and understanding of tax related communications from HMRC."]
[null,"8.2.2","Knowledge of capital gains tax calculations and what tax the customer should pay."]
[null,"8.2.3","Knowledge of how tax bands work and of personal allowances (e.g. married persons allowance)."]
[null,"8.2.4","Knowledge of stamp duty / land transaction tax."]
[null,"8.2.5","Knowledge of rules changing."]
[null,"8.2.6","Knowledge of how saving allowances interact."]
[null,"8.2.7","Knowledge of issues around income tax, capital gains tax and inheritance tax."]
[null,"8.2.8","Knowledge of the differences between employment and self-employment."]
[null,"TIER 3"]
[null,"8.3.1 ","Detailed knowledge and understanding of the consequences of tax related communications from HMRC."]
[]
[]
[]
[null,"DOMAIN 9: INSURANCE\n\n\n \n\n\n"]
[null,"TIER 1"]
[null,"9.1.1 ","Aware of the purpose and benefits of insurance."]
[null,"9.1.2     ","Aware of the main types of insurance products (e.g. buildings and contents; vehicle; travel etc.)."]
[null,"9.1.3     ","Aware of different types of protection insurance."]
[null,"9.1.4","Aware of national and local sources of guidance on insurance products, including comparison sites."]
[null,"9.1.5","Aware of the importance of shopping around for an insurance policy and keeping insurance providers up-to date with changes to circumstances."]
[null,"9.1.6","Aware of how to make an insurance claim."]
[null,"9.1.7","Signpost or refer customers to appropriate sources of information on insurance products, including price comparison sites."]
[null,"9.1.8","Aware of scams and what to do if a customer has been the subject of a scam."]
[null,"TIER 2"]
[null,"9.2.1 ","Knowledge of a range of different types of insurance, whether they are mandatory, and their purposes (e.g. Home Buildings Insurance, Vehicle Insurance, Guaranteed Asset Protection (GAP) Insurance, etc.)."]
[null,"9.2.2","Knowledge of ways in which insurance products can be purchased (e.g. brokers, comparison sites, supermarkets etc.)."]
[null,"9.2.3","Knowledge of how to search for insurances which may have been forgotten."]
[null,"9.2.4","Knowledge of insurance claims procedures including steps involved and likely timescales."]
[null,"9.2.5","Knowledge of the regulations covering insurance."]
[null,"9.2.6","Understanding of the factors to take into account when assessing whether or not to take out an insurance policy."]
[null,"9.2.7","Understanding of what counts towards the risk when taking out an insurance policy, and how risk factors affect insurance premiums."]
[null,"9.2.8","Understanding of the circumstances under which a customer may require specialist insurance and methods of securing this (including referrals to the British Insurance Brokers’ Association (BIBA))."]
[null,"9.2.9","Understanding of the different types of protection insurance and their main features."]
[null,"9.2.10","Unnderstanding of the process of making an insurance claim."]
[null,"9.2.11","Understanding of how to make a complaint when something goes wrong."]
[null,"9.2.12","Understanding of the ability to use comparison sites to compare insurance policies and quotes."]
[]
[]
[]
[null,"DOMAIN 10: HOUSEHOLDS\n\n\n \n\n\n"]
[null,"TIER 1"]
[null,"10.1.1 ","Aware of the typical costs involved in renting or owning a home (deposit; rent/mortgage; service and utilities – water, gas, electricity etc.)."]
[null,"10.1.2     ","Aware of other costs and typical bills (e.g. TV licence, insurance, broadband etc.)."]
[null,"10.1.3     ","Aware of the process of renting a home (e.g. references; deposit; removals etc.)."]
[null,"10.1.4","Aware of ways to save energy around the house."]
[null,"10.1.5","Aware of the features of and how to read common household bills (e.g. council tax/rates, water, gas etc.)."]
[null,"10.1.6","Aware of the existence of grants to fund improvements, aids and adaptations for a home."]
[null,"10.1.7","Aware of the differences between social housing and private housing."]
[null,"10.1.8","Signpost or refer customers to appropriate sources of information on renting, home ownership and housing advice."]
[null,"10.1.9","Aware of scams and what to do if a customer has been the subject of a scam."]
[null,"TIER 2"]
[null,"10.2.1 ","Knowledge of the main features of tenancy agreements and the costs involved for landlord and tenant (e.g. agency fees and deposits)."]
[null,"10.2.2","Knowledge of availability of grants for moving costs."]
[null,"10.2.3","Knowledge of tenant’s and landlord’s rights and responsibilities."]
[null,"10.2.4","Knowledge of the grants to fund improvements, aids and adaptations for a home."]
[null,"10.2.5","Understanding of the advantages and disadvantages of renting versus buying a home."]
[null,"10.2.6","Understanding of the procedures used by main lenders."]
[null,"10.2.7","Understanding of the role of mortgage advisors."]
[null,"10.2.8","Understanding of the changes in personal circumstances that might affect an individual’s ability to pay their rent/mortgage."]
[null,"TIER 3"]
[null,"10.3.1 ","Familiarity with, and an ability to, confidently use online toolkits and calculators (e.g. stamp duty/land transaction tax calculators, mortgage affordability calculators etc.)."]
[null,"10.3.2","Support customers in accessing online portals and using toolkits, which might include completing information on their behalf."]
[]
[]
[]
[null,"DOMAIN 11: PENSIONS\n\n\n\n \n\n\n"]
[null,"TIER 1"]
[null,"11.1.1 ","Aware of the importance of retirement planning."]
[null,"11.1.2     ","Aware of what a pension is and how to distinguish between different types."]
[null,"11.1.3     ","Aware of what auto-enrolment is and how it works."]
[null,"11.1.4","Aware of when and how the State Pension can be claimed and that it is based on an individual’s National  Insurance contributions."]
[null,"11.1.5","Signpost or refer customers to appropriate sources of information on pensions and/or support for retirement planning."]
[null,"11.1.6","Aware of scams and what to do if a customer has been the subject of a scam."]
[null,"TIER 2"]
[null,"11.2.1 ","Knowledge of the features and main differences between types of pension (e.g. State Pension, defined benefit, defined contribution etc.)."]
[null,"11.2.2","Knowledge of when and how the State Pension can be claimed and that it is based on an individual’s National Insurance contributions."]
[null,"11.2.3","Knowledge of the advantages of retirement planning, including how to obtain a pension forecast."]
[null,"11.2.4","Knowledge of how to read a pension statement."]
[null,"11.2.5","Knowledge of the potential implications and effects of auto-enrolment on an individual’s circumstances."]
[null,"11.2.6","Knowledge of pensions eligibility criteria."]
[null,"11.2.7","Knowledge of the effect of deferring retirement pension."]
[null,"11.2.8","Knowledge of entitlement to Additional State Pension."]
[null,"11.2.9","Understanding of the factors to take into account when considering investing in a pensions scheme."]
[null,"11.2.10","Understanding of pensions Law."]
[null,"11.2.11","Understanding of how the State Pension is calculated, its qualifying period and how to claim."]
[null,"11.2.12","Understanding of how to increase a State Pension."]
[null,"TIER 3"]
[null,"11.3.1 ","Knowledge of how to use specialist pensions and retirement calculators."]
[null,"11.3.2","Knowledge of how to check on how much has been accrued in an individual’s pension pot."]
[null,"11.3.3","Knowledge of how to resolve issues which arise during the claims process."]
[null,"11.3.4","Knowledge of access to specialist support (e.g. The Pensions Advisory Service, Money Advice Service, Pensions Ombudsman, etc.)."]
[null,"11.3.5","Knowledge of how and when the Annual Allowance (AA) and Lifetime Allowance (LTA) rules apply, including knowledge of how the Tapered Annual Allowance applies, and the protections available to customers with benefits in excess of the LTA."]
[null,"11.3.6","Knowledge of the importance of safeguarded benefits within a pension, that customers should seek financial advice before they consider giving up these benefits and of the risks to customers who are considering a transfer of a DB pension to a DC arrangement."]
[]
[]
[]
[null,"DOMAIN 12: PLANNING FOR LATER LIFE\n\n\n\n\n \n\n\n"]
[null,"TIER 1"]
[null,"12.1.1 ","Awareness of what a will is and why you may have one."]
[null,"12.1.2     ","Awareness of pre-paid funeral plans."]
[null,"12.1.3     ","Awareness of the factors that contribute towards funeral costs (e.g. casket, cremation, burial etc.)."]
[null,"12.1.4","Awareness of support available nationally and locally for carers."]
[null,"12.1.5","Awareness of the complexity of care costs."]
[null,"12.1.6","Awareness of Power of Attorney and third party access."]
[null,"12.1.7","Signpost or refer customers to appropriate sources of information and support."]
[null,"12.1.8","Awareness of scams and what to do if a customer has been the subject of a scam."]
[null,"TIER 2"]
[null,"12.2.1 ","Knowledge of the process for creating a will."]
[null,"12.2.2","Knowledge of the difference between a will and a trust."]
[null,"12.2.3","Knowledge of what a pre-paid funeral plan usually includes and who provides them."]
[null,"12.2.4","Knowledge of the eligibility criteria and application process for support for carers (e.g. Carers Allowance), and other routes such as NHS and Local Authority funding."]
[null,"12.2.5","Knowledge of Power of Attorney, how to obtain it and the areas that it covers."]
[null,"12.2.6","Knowledge of the impact of claiming support on other benefits entitlements."]
[null,"12.2.7","Knowledge of inheritance tax, when this applies and when this doesn’t apply."]
[null,"12.2.8","Knowledge of care costs and funding available (e.g. NHS continuing Healthcare, Local Authority funding support etc.)."]
[null,"12.2.9","Knowledge of equity release and recognise the limits of advice that can be given.  It is important that practitioners are aware of where the regulated boundaries are and do not go beyond them. "]
[null,"TIER 3"]
[null,"12.3.1 ","Knowledge of the use of wills and trusts and the role of an Attorney and an Executor."]
[null,"12.3.2","Knowledge of the regulations covering wills and legacy planning and recognise the limits of advice that can be given.  It is important that practitioners are aware of where the regulated boundaries are and do not go beyond them. "]
[null,"12.3.3","Knowledge of the use of trusts and other structures to meet long-term wishes."]
[null,"12.3.4","Knowledge of the impact of intestacy (including when partners are not married/civil partnership), powers of attorney or court protection."]
[null,"12.3.5","Knowledge of care cost funding appeals processes."]
[null,"12.3.6","Understanding of probate and how this can affect liability for debts."]

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[null,null,null,"Action Plan "]
[]
[null,"Areas for development","Learning actions e.g. training, mentoring, shadowing or other CPD activities","Completion \ndate","Outcomes","Reflections / comments further actions"]