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12    <title>Home | Personal Finance Society (PFS)</title>
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138                <div class="row">
139                    <div class="col-xl-8 col-lg-7 col-md-12 p-4">
140                        <p><strong>Customise Your Experience</strong></p>
141<p>To be sure we show products and services relevant to you, please select your country/region of residence:</p>
142
143
144                        <div class="hidden-md-down">
145                            <p>You can change this at any time using the '<a href="#" title="Select country">select country</a>' option in the site header.</p>
146                        </div>
147                    </div>
148                    <div class="col-xl-4 col-lg-5 col-md-12 d-flex justify-content-end align-items-center gap-2" id="country-dropdown-div">
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150
151                        <select name="CountryChoice" id="CountryChoice">
152                            <option value="GBR">United Kingdom </option>
153                            <option value="OTHER">Other country or region</option>
154                        </select>
155
156                        <a id="country-accept" class="btn " href="">Continue</a>
157
158                    </div>
159                </div>
160
161
162                    <div class="row d-lg-none">
163                        <div class="col-12 p-4">
164                            <p>You can change this at any time using the '<a href="#" title="Select country">select country</a>' option in the site header.</p>
165                        </div>
166                    </div>
167
168            </div>
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170        <div class="cookie-close d-none d-md-block">
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179                    <img src="/assets/icons/cookie-jar.svg" alt="Cookie Jar" class="cookie-jar-image">
180                </div>
181
182                <div class="cookie-content">
183                    <h6 class="cookie-title">Cookies on the PFS website</h6>
184
185                    <div class="cookie-text">
186                        <p>This website uses essential session cookies that are required for core functionality and cannot be disabled.</p>
187<p>We would also like to use cookies for Google Analytics to help us understand how visitors use our website. These cookies are optional and will only be used if you give consent.</p>
188                    </div>
189
190                    <div class="cookie-actions">
191                        <button id="accept-cookies" class="btn-accept">Accept all</button>
192                        <button id="reject-cookies" class="btn-reject">Reject non-essential</button>
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200
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202            <div class="container">
203                <div class="row">
204                    <div class="user-data">
205
206
207                            <a  id="login-link" href="https://www.thepfs.org/login" class="d-none d-lg-block">Login</a>
208                            <div class="seperator"></div>
209                            <a href="https://www.thepfs.org/membership/register-profile/" id="sign-up-link"  class="d-none d-lg-block">Sign up</a>
210                                                    <div class="seperator"></div>
211                            <a id="country-selection-link" href="https://www.thepfs.org/regional-settings/" class="country-select" style="background-image: url(https://media.umbraco.io/ciigroup-dxp/fsyhb02w/flag-icon_other.png)">Select country </a>
212
213                        <div class="seperator"></div>
214                        <a id="view-basket-url-link" href="https://www.thepfs.org/checkout/" class="basket">
215                                <span class="amount" id="basket-qty">0</span>
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222
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224
225
226
227        <div class="mobile__helper">
228            <div class="header__container">
229                <div class="container header__inner">
230                    
231                    <a id="navbar-brand-link" class="header__logo logo navbar-brand" href="https://www.thepfs.org/" alt="">
232                        <span class="sr-only">Charter Insurance Institute</span>
233                    </a>
234
235                    
236                    <div class="header__search">
237                        <form class="header-search" id="headerSearchApp">
238                                <div class="input-group">
239                                    <label for="header-search" class="accessibility">Search</label>
240                                    <input type="text" class="header__search-input" id="header-search">
241                                    <a class="search___search-icon" href="#" id="search-icon-link"></a>
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246            </div>
247
248            <a href="#" class="d-lg-none" id="mobile-search-toggler">
249                <img class="svg" src="/assets/icons/search-icon-mobile.svg" alt="Search" />
250
251            </a>
252
253            <a id="my-basket-link" href="/checkout" class="basket">
254                <span class="label hidden-xl-down">My Basket</span>
255                <span class="amount">0</span>
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257
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259            
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265                        <span></span>
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275                
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278                        <ul class="header__nav navbar-nav">
279
280                                    <li class="nav-item dropdown">
281
282            <a id="menu__0" class="menu__button-link nav-link dropdown-toggle" href="https://www.thepfs.org/membership/"
283               aria-haspopup="true" aria-expanded="true">Membership<i class="icon arrow-down"></i></a>
284            <ul id="submenu__0" class="submenu__nav nav justify-content-start dropdown-menu"
285                aria-labelledby="menu__0">
286
287                        <div class="sub-nav-wrapper">
288                            <div class="container">
289                                <div class="sub-nav-menu">
290                                <li class="nav-item">
291                                    <a id="https://www.thepfs.org/membership/join-us/-link" class="dropdown-item" href="https://www.thepfs.org/membership/join-us/">Join us</a>
292                                </li>
293                                <li class="nav-item">
294                                    <a id="https://www.thepfs.org/membership/benefits/-link" class="dropdown-item" href="https://www.thepfs.org/membership/benefits/">Benefits</a>
295                                </li>
296                                <li class="nav-item">
297                                    <a id="https://www.thepfs.org/membership/chartered/-link" class="dropdown-item" href="https://www.thepfs.org/membership/chartered/">Chartered</a>
298                                </li>
299                                <li class="nav-item">
300                                    <a id="https://www.thepfs.org/membership/communities/-link" class="dropdown-item" href="https://www.thepfs.org/membership/communities/">Communities</a>
301                                </li>
302                                <li class="nav-item">
303                                    <a id="https://www.thepfs.org/membership/sps/-link" class="dropdown-item" href="https://www.thepfs.org/membership/sps/">SPS</a>
304                                </li>
305                                <li class="nav-item">
306                                    <a id="https://www.thepfs.org/membership/find-an-adviser/-link" class="dropdown-item" href="https://www.thepfs.org/membership/find-an-adviser/">Find an Adviser</a>
307                                </li>
308                                <li class="nav-item">
309                                    <a id="https://www.thepfs.org/membership/search/-link" class="dropdown-item" href="https://www.thepfs.org/membership/search/">Search</a>
310                                </li>
311                                <li class="nav-item">
312                                    <a id="https://www.thepfs.org/membership/pfs-graduation/-link" class="dropdown-item" href="https://www.thepfs.org/membership/pfs-graduation/">Graduation ceremony</a>
313                                </li>
314                                <li class="nav-item">
315                                    <a id="https://www.thepfs.org/membership/local-volunteer-awards/-link" class="dropdown-item" href="https://www.thepfs.org/membership/local-volunteer-awards/">Local Volunteer Awards</a>
316                                </li>
317
318                                    </div>
319                                    </div>
320                                    </div>
321
322            </ul>
323        </li>
324        <li class="nav-item dropdown">
325
326            <a id="menu__1" class="menu__button-link nav-link dropdown-toggle" href="https://www.thepfs.org/learning/"
327               aria-haspopup="true" aria-expanded="true">Learning<i class="icon arrow-down"></i></a>
328            <ul id="submenu__1" class="submenu__nav nav justify-content-start dropdown-menu"
329                aria-labelledby="menu__1">
330
331                        <div class="sub-nav-wrapper">
332                            <div class="container">
333                                <div class="sub-nav-menu">
334                                <li class="nav-item">
335                                    <a id="https://www.thepfs.org/learning/qualifications/-link" class="dropdown-item" href="https://www.thepfs.org/learning/qualifications/">Qualifications</a>
336                                </li>
337                                <li class="nav-item">
338                                    <a id="https://www.thepfs.org/learning/assess/-link" class="dropdown-item" href="https://www.thepfs.org/learning/assess/">E-learning (Assess)</a>
339                                </li>
340                                <li class="nav-item">
341                                    <a id="https://www.thepfs.org/learning/revision/-link" class="dropdown-item" href="https://www.thepfs.org/learning/revision/">Revision</a>
342                                </li>
343                                <li class="nav-item">
344                                    <a id="https://www.thepfs.org/learning/consumer-duty/-link" class="dropdown-item" href="https://www.thepfs.org/learning/consumer-duty/">Consumer Duty</a>
345                                </li>
346                                <li class="nav-item">
347                                    <a id="https://www.thepfs.org/learning/learning-content-hub/-link" class="dropdown-item" href="https://www.thepfs.org/learning/learning-content-hub/">Learning hub</a>
348                                </li>
349                                <li class="nav-item">
350                                    <a id="https://www.thepfs.org/learning/cpd/-link" class="dropdown-item" href="https://www.thepfs.org/learning/cpd/">CPD</a>
351                                </li>
352                                <li class="nav-item">
353                                    <a id="https://www.thepfs.org/learning/professional-map/-link" class="dropdown-item" href="https://www.thepfs.org/learning/professional-map/">Professional Map</a>
354                                </li>
355                                <li class="nav-item">
356                                    <a id="https://www.thepfs.org/learning/elibrary/-link" class="dropdown-item" href="https://www.thepfs.org/learning/elibrary/">eLibrary</a>
357                                </li>
358
359                                    </div>
360                                    </div>
361                                    </div>
362
363            </ul>
364        </li>
365        <li class="nav-item dropdown">
366
367            <a id="menu__2" class="menu__button-link nav-link dropdown-toggle" href="https://www.thepfs.org/employers/"
368               aria-haspopup="true" aria-expanded="true">Employers<i class="icon arrow-down"></i></a>
369            <ul id="submenu__2" class="submenu__nav nav justify-content-start dropdown-menu"
370                aria-labelledby="menu__2">
371
372                        <div class="sub-nav-wrapper">
373                            <div class="container">
374                                <div class="sub-nav-menu">
375                                <li class="nav-item">
376                                    <a id="https://www.thepfs.org/employers/chartered-status/-link" class="dropdown-item" href="https://www.thepfs.org/employers/chartered-status/">Chartered status</a>
377                                </li>
378                                <li class="nav-item">
379                                    <a id="https://www.thepfs.org/employers/associate-firms/-link" class="dropdown-item" href="https://www.thepfs.org/employers/associate-firms/">Associate Firms</a>
380                                </li>
381                                <li class="nav-item">
382                                    <a id="https://www.thepfs.org/employers/professional-map/-link" class="dropdown-item" href="https://www.thepfs.org/employers/professional-map/">Professional Map</a>
383                                </li>
384                                <li class="nav-item">
385                                    <a id="https://www.thepfs.org/employers/set-up-a-business-account/-link" class="dropdown-item" href="https://www.thepfs.org/employers/set-up-a-business-account/">Account set-up</a>
386                                </li>
387                                <li class="nav-item">
388                                    <a id="https://www.thepfs.org/employers/corporate-membership/-link" class="dropdown-item" href="https://www.thepfs.org/employers/corporate-membership/">Membership</a>
389                                </li>
390                                <li class="nav-item">
391                                    <a id="https://www.thepfs.org/employers/training/-link" class="dropdown-item" href="https://www.thepfs.org/employers/training/">Training</a>
392                                </li>
393                                <li class="nav-item">
394                                    <a id="https://www.thepfs.org/employers/e-learning-assess/-link" class="dropdown-item" href="https://www.thepfs.org/employers/e-learning-assess/">E-Learning (Assess)</a>
395                                </li>
396                                <li class="nav-item">
397                                    <a id="https://www.thepfs.org/employers/apprenticeships/-link" class="dropdown-item" href="https://www.thepfs.org/employers/apprenticeships/">Apprenticeships</a>
398                                </li>
399
400                                    </div>
401                                    </div>
402                                    </div>
403
404            </ul>
405        </li>
406        <li class="nav-item dropdown">
407
408            <a id="menu__3" class="menu__button-link nav-link dropdown-toggle" href="https://www.thepfs.org/careers-in-personal-finance/"
409               aria-haspopup="true" aria-expanded="true">Careers<i class="icon arrow-down"></i></a>
410            <ul id="submenu__3" class="submenu__nav nav justify-content-start dropdown-menu"
411                aria-labelledby="menu__3">
412
413                        <div class="sub-nav-wrapper">
414                            <div class="container">
415                                <div class="sub-nav-menu">
416                                <li class="nav-item">
417                                    <a id="https://www.thepfs.org/careers-in-personal-finance/pathway-to-the-profession/-link" class="dropdown-item" href="https://www.thepfs.org/careers-in-personal-finance/pathway-to-the-profession/">Pathway to the Profession</a>
418                                </li>
419                                <li class="nav-item">
420                                    <a id="https://www.thepfs.org/careers-in-personal-finance/employer-talent-attraction-and-management/-link" class="dropdown-item" href="https://www.thepfs.org/careers-in-personal-finance/employer-talent-attraction-and-management/">Employer talent attraction and management</a>
421                                </li>
422                                <li class="nav-item">
423                                    <a id="https://www.thepfs.org/careers-in-personal-finance/personal-finance-jobs/-link" class="dropdown-item" href="https://www.thepfs.org/careers-in-personal-finance/personal-finance-jobs/">Personal Finance jobs</a>
424                                </li>
425                                <li class="nav-item">
426                                    <a id="https://www.thepfs.org/careers-in-personal-finance/pfs-member-career-support/-link" class="dropdown-item" href="https://www.thepfs.org/careers-in-personal-finance/pfs-member-career-support/">PFS Member Career Support</a>
427                                </li>
428
429                                    </div>
430                                    </div>
431                                    </div>
432
433            </ul>
434        </li>
435        <li class="nav-item dropdown">
436
437            <a id="menu__4" class="menu__button-link nav-link dropdown-toggle" href="https://www.thepfs.org/news-insight/"
438               aria-haspopup="true" aria-expanded="true">News<i class="icon arrow-down"></i></a>
439            <ul id="submenu__4" class="submenu__nav nav justify-content-start dropdown-menu"
440                aria-labelledby="menu__4">
441
442                        <div class="sub-nav-wrapper">
443                            <div class="container">
444                                <div class="sub-nav-menu">
445                                <li class="nav-item">
446                                    <a id="https://www.thepfs.org/news-insight/media/-link" class="dropdown-item" href="https://www.thepfs.org/news-insight/media/">Media</a>
447                                </li>
448                                <li class="nav-item">
449                                    <a id="https://www.thepfs.org/news-insight/publications/-link" class="dropdown-item" href="https://www.thepfs.org/news-insight/publications/">Publications</a>
450                                </li>
451                                <li class="nav-item">
452                                    <a id="https://www.thepfs.org/news-insight/news/-link" class="dropdown-item" href="https://www.thepfs.org/news-insight/news/">News</a>
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719                            <div class="story">
720                                <div class="story__date">29 September 2026</div>
721                                <h3 class="story__title"><a href="https://www.thepfs.org/learning/consumer-duty/articles/pfs-celebrates-exceptional-contributions-with-new-local-volunteer-awards/1e046e94-62a3-4d73-9c91-79c7f9af1bed">PFS celebrates exceptional contributions with new Local Volunteer Awards</a>
722                                </h3>
723                                <div class="story__desc"><p class="MsoNormal">The Personal Finance Society (PFS) celebrated the exceptional contributions of some of its volunteers at its Officers’ Conference on 23 September. The inaugural Local Volunteer Awards recognised six individuals whose time, dedication and passion have made a lasting impact across regional communities.</p></div>
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728                                <div class="story__date">23 September 2026</div>
729                                <h3 class="story__title"><a href="https://www.thepfs.org/learning/consumer-duty/articles/kate-gannon-welcomed-as-new-pfs-president/6c8fd99e-3638-48f9-a0f0-b7d726bc0e4a">Kate Gannon welcomed as new PFS President</a>
730                                </h3>
731                                <div class="story__desc"><p style="margin-bottom: 0cm; line-height: normal;" class="MsoNormal">Kate (Kathryn) Gannon has become the new President of the Personal Finance Society (PFS) following an official ceremony during the organisation's AGM. Kate was appointed President at the July PFS Board meeting having previously served as Vice President of the Society. Craig Palfrey has been appointed Vice President.</p></div>
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736                                <div class="story__date">08 September 2026</div>
737                                <h3 class="story__title"><a href="https://www.thepfs.org/learning/consumer-duty/articles/thousands-set-to-gather-at-nec-birmingham-as-pfs-festival-returns-for-2026/a45f727b-a738-4b29-bb4e-dd6195d75ddc">Thousands set to gather at NEC Birmingham as PFS Festival returns for 2026</a>
738                                </h3>
739                                <div class="story__desc"><p class="MsoNormal"><em>The two-day event will offer more than 80 sessions, with keynote speakers including British pioneer Tim Peake, TV’s Sara Davies and business coach Libby Greiwe.</em></p></div>
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744                                <div class="story__date">03 September 2026</div>
745                                <h3 class="story__title"><a href="https://www.thepfs.org/learning/consumer-duty/articles/pfs-power-panel-strengthens-practitioner-expertise-with-two-new-appointments/5a466155-9367-4ea4-9421-5449f86f164a">PFS POWER Panel strengthens practitioner expertise with two new appointments</a>
746                                </h3>
747                                <div class="story__desc"><p class="MsoNormal">The Personal Finance Society (PFS) has appointed Chartered Financial Planners Kamahl Best and Lucia Rippa to its PFS POWER Panel, strengthening the panel’s expertise across client-centred financial planning, vulnerable customer support, and professional development.</p></div>
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969
970</script>
970
971
972
973
974
975<script type="text/javascript">
976    $(document).ready(function () {
977
978        $('.icon-tooltip-information').click(function (e) {
979            e.preventDefault();
980        });
981
982        $('#header-search').keypress(function (event) {
983
984            var keycode = (event.keyCode ? event.keyCode : event.which);
985            if (keycode == '13') {
986                return doSearch(event);
987            }
988        });
989
990        $('#search-icon-link').click(function (e) {
991            return doSearch(event);
992        });
993
994
995
996        $('#header-search-mobile').keypress(function (event) {
997
998            var keycode = (event.keyCode ? event.keyCode : event.which);
999            if (keycode == '13') {
1000                return doMobileSearch(event);
1001            }
1002        });
1003
1004
1005        $('#search-input-icon-link').click(function (e) {
1006            return doMobileSearch(event);
1007        });
1008
1009
1010        function doMobileSearch(e) {
1011            e.preventDefault();
1012            var search = $('#header-search-mobile').val();
1013            window.location.href = 'https://www.thepfs.org/search-results?q=' + search;
1014        }
1015        function doSearch(e) {
1016            e.preventDefault();
1017            var search = $('#header-search').val();
1018            window.location.href = 'https://www.thepfs.org/search-results?q=' + search;
1019        }
1020
1021    });
1022
1023
1024</script>
vendor: 2 bytes, line 1024
1024

Line numbers count LF bytes from the start of the resource, as the search results do. Vendor segments are library code the classifier recognised; they are stored but not indexed. Bytes are shown as Latin1 characters, one per byte.