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<br /> <br /> Professional Adviser<br /> www.ifaonline.co.uk<br /> 27 October 2011<br /> <br /> <br /> <br /> <br /> <br /> Say again?<br /> Have we all had<br /> enough of acronyms?<br /> <br /> <br /> <br /> <br /> KNOWLEDGE ADVICE SUPPORT<br /> <br /> <br /> Baby-changing<br /> <br /> facilities<br /> A special report on Junior ISAs<br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> Also inside:<br /> How to advise<br /> expat customers<br /> Why income protection<br /> is still a niche product<br /> Four scams to<br /> warn clients about<br /> <br /> <br /> <br /> <br /> <br /> Insight<br /> <br /> P<a title="PA 27th Oct 2011 page 1" href="http://viewer.zmags.com/publication/1db05be3?page=1">Professional Adviserwww.ifaonline.co.uk27 Octo</a> Professional Adviserwww.ifaonline.co.uk27 Octo<a title="PA 27th Oct 2011 page 2" href="http://viewer.zmags.com/publication/1db05be3?page=2"></a> <a title="PA 27th Oct 2011 page 3" href="http://viewer.zmags.com/publication/1db05be3?page=3">Welcome | 3ContentsEditorial teamEditor:Sco</a> Welcome | 3ContentsEditorial teamEditor:Sco<a title="PA 27th Oct 2011 page 4" href="http://viewer.zmags.com/publication/1db05be3?page=4">STAYPOSITIVEOLD MUTUAL GLOBALEQUITY ABSOLUTE R</a> STAYPOSITIVEOLD MUTUAL GLOBALEQUITY ABSOLUTE R<a title="PA 27th Oct 2011 page 5" href="http://viewer.zmags.com/publication/1db05be3?page=5">Insight | 5Charging </a> Insight | 5Charging <a title="PA 27th Oct 2011 page 6" href="http://viewer.zmags.com/publication/1db05be3?page=6">6 | InsightNews </a> 6 | InsightNews <a title="PA 27th Oct 2011 page 7" href="http://viewer.zmags.com/publication/1db05be3?page=7">Insight | 7visit us at ifaonline.co.uk </a> Insight | 7visit us at ifaonline.co.uk <a title="PA 27th Oct 2011 page 8" href="http://viewer.zmags.com/publication/1db05be3?page=8">8 | InsightJISAs </a> 8 | InsightJISAs <a title="PA 27th Oct 2011 page 9" href="http://viewer.zmags.com/publication/1db05be3?page=9">Insight | 9visit us at ifaonline.co.uk </a> Insight | 9visit us at ifaonline.co.uk <a title="PA 27th Oct 2011 page 10" href="http://viewer.zmags.com/publication/1db05be3?page=10">An illuminatingperformanceInvestec Cautious M</a> An illuminatingperformanceInvestec Cautious M<a title="PA 27th Oct 2011 page 11" href="http://viewer.zmags.com/publication/1db05be3?page=11">Insight | 11visit us at ifaonline.co.uk </a> Insight | 11visit us at ifaonline.co.uk <a title="PA 27th Oct 2011 page 12" href="http://viewer.zmags.com/publication/1db05be3?page=12">12 | InsightProtection </a> 12 | InsightProtection <a title="PA 27th Oct 2011 page 13" href="http://viewer.zmags.com/publication/1db05be3?page=13">Looking to deliverconsistentincome for your cl</a> Looking to deliverconsistentincome for your cl<a title="PA 27th Oct 2011 page 14" href="http://viewer.zmags.com/publication/1db05be3?page=14">14 | Better businessExpats </a> 14 | Better businessExpats <a title="PA 27th Oct 2011 page 15" href="http://viewer.zmags.com/publication/1db05be3?page=15">Better business | 15visit us at ifaonline.co.uk</a> Better business | 15visit us at ifaonline.co.uk<a title="PA 27th Oct 2011 page 16" href="http://viewer.zmags.com/publication/1db05be3?page=16">16 | InsightLobbying </a> 16 | InsightLobbying <a title="PA 27th Oct 2011 page 17" href="http://viewer.zmags.com/publication/1db05be3?page=17">visit us at ifaonline.co.uk @IFAonlineUK </a> visit us at ifaonline.co.uk @IFAonlineUK <a title="PA 27th Oct 2011 page 18" href="http://viewer.zmags.com/publication/1db05be3?page=18">18 | InsightNoticeboard </a> 18 | InsightNoticeboard <a title="PA 27th Oct 2011 page 19" href="http://viewer.zmags.com/publication/1db05be3?page=19">Insight | 19visit us at ifaonline.co.uk </a> Insight | 19visit us at ifaonline.co.uk <a title="PA 27th Oct 2011 page 20" href="http://viewer.zmags.com/publication/1db05be3?page=20"></a> <a title="PA 27th Oct 2011 page 21" href="http://viewer.zmags.com/publication/1db05be3?page=21">Better business | 21PropositionBetter </a> Better business | 21PropositionBetter <a title="PA 27th Oct 2011 page 22" href="http://viewer.zmags.com/publication/1db05be3?page=22">22 | Better businessAdviceHave your clients fa</a> 22 | Better businessAdviceHave your clients fa<a title="PA 27th Oct 2011 page 23" href="http://viewer.zmags.com/publication/1db05be3?page=23">Newton Real Return FundBe preparedfor changing</a> Newton Real Return FundBe preparedfor changing<a title="PA 27th Oct 2011 page 24" href="http://viewer.zmags.com/publication/1db05be3?page=24">24 | Better businessParaplanners </a> 24 | Better businessParaplanners <a title="PA 27th Oct 2011 page 25" href="http://viewer.zmags.com/publication/1db05be3?page=25">Same game.Better termsCatch our latest collect</a> Same game.Better termsCatch our latest collect<a title="PA 27th Oct 2011 page 26" href="http://viewer.zmags.com/publication/1db05be3?page=26">26 | Better 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title="PA 27th Oct 2011 page 32" href="http://viewer.zmags.com/publication/1db05be3?page=32">32 | Better businessPlatforms </a> 32 | Better businessPlatforms <a title="PA 27th Oct 2011 page 33" href="http://viewer.zmags.com/publication/1db05be3?page=33">visit us at ifaonline.co.uk @IFAonlineUK </a> visit us at ifaonline.co.uk @IFAonlineUK <a title="PA 27th Oct 2011 page 34" href="http://viewer.zmags.com/publication/1db05be3?page=34">34 | Better businessDifferentiators </a> 34 | Better businessDifferentiators <a title="PA 27th Oct 2011 page 35" href="http://viewer.zmags.com/publication/1db05be3?page=35">visit us at ifaonline.co.uk @IFAonlineUK </a> visit us at ifaonline.co.uk @IFAonlineUK <a title="PA 27th Oct 2011 page 36" href="http://viewer.zmags.com/publication/1db05be3?page=36">36 | Better businessBest buys </a> 36 | Better businessBest buys <a title="PA 27th Oct 2011 page 37" href="http://viewer.zmags.com/publication/1db05be3?page=37">Investment | 37Market outlookInvestmentStruct</a> Investment | 37Market outlookInvestmentStruct<a title="PA 27th Oct 2011 page 38" href="http://viewer.zmags.com/publication/1db05be3?page=38">38 | InvestmentSector report </a> 38 | InvestmentSector report <a title="PA 27th Oct 2011 page 39" href="http://viewer.zmags.com/publication/1db05be3?page=39">visit us at ifaonline.co.uk @IFAonlineUK </a> visit us at ifaonline.co.uk @IFAonlineUK <a title="PA 27th Oct 2011 page 40" href="http://viewer.zmags.com/publication/1db05be3?page=40">40 | InvestmentStructured products </a> 40 | InvestmentStructured products <a title="PA 27th Oct 2011 page 41" href="http://viewer.zmags.com/publication/1db05be3?page=41">Investment | 41visit us at ifaonline.co.uk </a> Investment | 41visit us at ifaonline.co.uk <a title="PA 27th Oct 2011 page 42" href="http://viewer.zmags.com/publication/1db05be3?page=42">42 | InvestmentMulti-assetHow we buildour US </a> 42 | InvestmentMulti-assetHow we buildour US <a title="PA 27th Oct 2011 page 43" 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