Engage - Educate - Empower
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LAVINIA MACDONALD - FINANCIAL PLANNER
FOUNDER AND DIRECTOR
I have established The Money Clinic to make financial planning and advice more accessible and raise awareness of the impact financial wellness can have on our lives.
About Me
I have made Malvern my home over 20 years ago when I met my husband. A witty Scotsman living in Malvern, of all places.
We now have a daughter and two fur babies and love spending time together walking on the hills, travelling or just relaxing in the garden.
In 2006 I found my passion and decided to pursue a career in financial planning.
I joined the industry at a turning point when advisers were just starting to realise that they could do so much more than just sell products.
My goal was to be a financial planner and independent financial advisor from the start, and after many years of learning the ropes in administrator and paraplanning roles, I finally got the opportunity to be a financial planner in 2021.
After 18 years in the industry, I now want to bring the focus to financial wellbeing and help people make the most of their money for a happier, healthier life.
I enjoy helping people navigate their financial journey through toughtfull financial planning to give their money purpose so that they may live their best lives.
Diploma in Financial Planning (Dip PFS)
I currently hold the Diploma in Financial Planning (Dip PFS) qualification which demonstrates my technical understanding across a broad range of key financial planning areas.
J10 - Discretionary Investment Management – demonstrates the ability to analyse and apply financial information and portfolio management skills.
J02 – Trusts - demonstrates knowledge and understanding of the various types of trusts.
R01 - Financial Services, Regulation and Ethics - demonstrates the knowledge and understanding of the financial services profession, including regulation, legislation and the Code of Ethics.
R02 - Investment Principles - demonstrates the knowledge and understanding of investment products and the application of the investment advice process.
R03 - Personal Taxation - demonstrates the 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.
R04 - Pensions and Retirement Planning - demonstrates the knowledge and understanding of pension and retirement planning issues.
R06 - Financial Planning Practice - demonstrates a financial adviser's financial planning capabilities.
Certificate in Discretionary Investment Management
I currently hold the Certificate in Discretionary Investment Management which demonstrates the wealth strategy and portfolio management skills required for effective discretionary investment management.
CertPFS – Certificate in Financial Planning
This qualification develops knowledge and understanding of the sector and its activities, key customer needs, solutions and products, and how individuals and organisations work within a regulatory and legislative environment.
CF1 - UK Financial Services, Regulation & Ethics - develops the understanding of the financial services industry including regulation and legislation.
CF2 – Investment and Risk - assesses a knowledge and understanding of investment products and the risks involved.
CF3 - Financial Protection - assesses a knowledge and understanding of financial protection plans.
CF4 - Retirement Planning - assesses a knowledge and understanding of the various pension products, the pension tax regime and retirement needs.
CF5 - Integrated Financial Planning - provides a solid grounding in the financial services industry and its regulation.
CF6 - Integrated Financial Planning - provides an understanding of the various types of mortgage products and repayment options and the giving of mortgage advice.