Michael Furniss is a highly qualified financial services professional with over 30 years of experience. He has held senior roles providing complex financial planning advice at major financial institutions. He is a Chartered Financial Planner and Fellow of both the Personal Finance Society and Chartered Institute for Securities and Investments. Currently he works as a contractor providing advice review, training, and project management.

1. Michael John Furniss
10 Oakridge Park
Yeovil
Somerset
BA21 3JY
Tel: 07534 440189
E mail: mikefurniss@hotmail.co.uk
Profile
Michael is a highly driven financial services professional. He has a strong level of CII &
CISI qualifications coupled together with extensive experience in financial services. He has
delivered exceptional results within each business unit he has worked for.
Considerable experience and expertise in the following areas:-
• Coaching and mentoring
• Trusts and estate planning
• Relationship management and key stakeholder engagement
• Training and competence
• High level presenter
• Holistic advice review work (pre and post sale)
• Checking advice
• Quality assurance
• Project management
• Complex pension planning
• Pension switching and transfers advice and sign off
• Complex investment planning
• Offshore investment structures
• Investment asset management
• Discretionary management services
• Investment and share dealing complaint handling
• Pension complaint handling
• Compliance monitoring and audit
• Team management and leadership
• Structured products
• Wrap platforms
• Stochastic models
CII - Qualifications
Risk
CF2 Investment & Risk
RO1 - Financial Services Regulation & Ethics
Pension
CF9- Pension Simplification
Pension Funding Options
JO4 - Pension Funding Options
JO5 - Pension Income Options
AF3 - Advanced Pension Planning
Investment
JO6 - Investment Principles, Market & Environment
AF4 - Advanced Investment Planning,

2. Tax & Trusts
JO1 - Tax
JO2 - Trusts
AF1 - Advanced Personal Tax & Trust Planning Investment & Risk
General
FPC1, FPC2, FPC3
CF8 - Long Term Care Insurance
ER1 - Equity Release
RO5- Protection
AF5 - Financial Planning Process
QCF level 4 (Dip PFS)
QCF level 6
Chartered Financial Planner
Fellow of the Personal Finance Society
CISI - Qualifications
Compliance Qualifications
Introduction to Securities and Investments
UK Regulation & Professional Integrity
Risk in Financial Services
Investment Qualifications
Private Client Investment Advice and Management (PCIAM)
QCF level 6
Fellow of the Chartered Institute for Securities and Investments
Employment History
Reports for Duty Ltd - Contractor
May 2014 to Present
• Director of own contracting company
• Worked within pre sales coaching in the Wealth Centre of Excellence
• Holistic advice review work, investments, IHT, protection and trusts
• Provided structured feedback to advisers and sales managers
• Presenter on HSBC's on boarding process for all regulated advisers
• Indentifying risks and trends
• Ensuring best practice within my team and the wider adviser population
• Stakeholder management and relationship building via weekly conference calls,
discussing current trends, failure rates and also sharing best practice
• Review of pension transfer advice
• Pension complaint handling
• All pension complaints carried an holistic check at all advice points
• Complex complaints, DB scheme redress on pension transfers, SIPP, SSAS,
Stakeholder versus Personal Pension charging
• Non complex pension areas to include performance , advice issues, charges ,
Pension Contribution Insurance, term to retirement and general suitability
• High levels of customer contact
• Project management within a high profile business sale (pensions)
• Designed call centre scripts to support new pension legislation
• Updated and designed HSBCs pensions website
• Pensions SME for call centres (Capita & HSBC) in connection with the Part VII
transfer of HSBCs pension business
• Chaired a sanctions project as part of the Part VII transfer
• Attended court as a pensions SME

3. • Delivered pensions training to all call centre staff (UK and overseas)
Chetwood Wealth Management
Date joined October 2012 to May 2014
• Technical specialist for all advice issues within the business
• Attended client meetings with IFA's for complex advice issues.
• Pre and post sale file checks for complex advice issues in particular IHT, Trusts
pension/ investment switching, bonds, OEICs and Unit Trust
• Coaching and mentoring
• Maintaining suitability templates and update in line with FCA requirements
• Writing complex suitability reports for high value clients
• Provided sign off for all pension switching cases and critical yield calculations
• Project management for RDR issues such as the Client Engagement Document, and
the introduction of new suitability templates
• Sales management of 11 regulated advisers
• Oversight of platforms (Cofunds, Skandia, AXA Elevate and 7IM)
• Oversight of the paraplanning teams
• Dealing with customer complaints and the FCA
• Responsible for the T & C and Compliance plans
Reason for leaving: Resignation
Lloyds Banking Group
Date joined 20/04/2012 to October 2012
• Quality assurance and feedback to advisers, with regards to checking complex IHT,
investments, structured products, pensions.
Reason for leaving: Resignation
Financial Services Contractor (Fixed Term Contract)
HSBC Pension Review Centre of Excellence
Date joined 3/01/2012 to 20/4/2012
• Pension advice review
• Quality assurance with regards to suitability assessment of the standard of advice
provided
• Defined contribution reviews and transfers
• At retirement cases (annuity purchase and drawdown)
• Drawdown to drawdown transfers
• Defined benefit review requiring TVAS analysis
Reason for leaving: End of contract

4. Coutts & Co
Date joined 20/12/2010 to 3/1/2012
Employed as a senior specialist advising clients on complex planning issues including:-
• Inheritance planning encompassing trusts
• Responsible for the checking of complex pension planning reports for the wider
team who were not authorised in this particular area and sign off from a quality
assurance prospective. This involved pension switching cases.
• SIPP/ SSAS
• Structured products
• Complex pension planning
• The production of complex financial planning reports
• Onshore and offshore investment structures
• Discretionary management
• Hedge funds
• Private equity
Reason for leaving: Resignation
Lloyds TSB Mayfair Private Banking
Date joined 2/2/2006 to 20/12/2010
• Employed as a private banking independent financial adviser and desk head
• Managed a small team
• Dealt with clients with a sole income of £500,000 per annum, or investable assets
in excess of £2 million excluding property
• Personally produced revenue and commissions in excess of £1.3 million on an
annual basis
Prior to this role he was employed as the Area Wealth Manager for the South West region
managing a team of 15 Senior Wealth Planning Managers within the wealth management
sector of the Lloyds Banking Group. Held the target for the South West region and was
responsible for the following:-
• Key stakeholder management
• Compliance monitoring and audit
• The sales management and leadership of the team
• Observed meetings
• Coaching and feedback
• The induction of new advisers
• Checking the suitability of advice with regards to file reviews
• The implementation of the training and competence scheme
• Dealing with regulatory complaints
Reason for leaving: Resignation
Towry Law

5. Date joined 4/1/2000 to 2/2/2006
• Employed and an independent financial adviser, providing advice to personal and
corporate clients
• Delivered national seminars on inheritance tax and investment planning to private
clients and also corporate entities such as Mars, Glaxo and Clarks International
• Relationship management as the national account manager for Clarks International
and Glaxo
Reason for leaving: Resignation
Woolwich and Portman Financial Services
Date joined 1995
• Provided financial advice to the banks clients
Reason for leaving: Resignation
Royal Navy
1984 to 1995
• Aircraft engineer
• Gulf war medal and also the NATO peace keeping medal for service in Bosnia
Reason for leaving: Resignation

6. Date joined 4/1/2000 to 2/2/2006
• Employed and an independent financial adviser, providing advice to personal and
corporate clients
• Delivered national seminars on inheritance tax and investment planning to private
clients and also corporate entities such as Mars, Glaxo and Clarks International
• Relationship management as the national account manager for Clarks International
and Glaxo
Reason for leaving: Resignation
Woolwich and Portman Financial Services
Date joined 1995
• Provided financial advice to the banks clients
Reason for leaving: Resignation
Royal Navy
1984 to 1995
• Aircraft engineer
• Gulf war medal and also the NATO peace keeping medal for service in Bosnia
Reason for leaving: Resignation