BEGIN:VCALENDAR VERSION:2.0 PRODID:-//AEO Lookup//Key dates//EN CALSCALE:GREGORIAN METHOD:PUBLISH X-WR-CALNAME:Key dates for financial advisers and mortgage b rokers BEGIN:VEVENT UID:2026-12-31-paraplanly-1@aeolookup.com DTSTAMP:20261001T000000Z DTSTART;VALUE=DATE:20261231 DTEND;VALUE=DATE:20270101 SUMMARY:Every firm's complaints reporting period ends\, what ever its year end DESCRIPTION:DISP 1.10.4BR ends the current reporting period for all firms on this date. A firm whose year end is not 30 June or 31 December files a short-period return on the exist ing form\, covering the months since its last return. Source : FCA Handbook DISP 1.10.4BR\; FCA PS25/19\, paragraph 3.4 ( read 1 October 2026). The guide: https://aeolookup.com/finan cial-advisers/fca-complaints-return-31-december-2026-short-p eriod-new-return-dates/ (AEO Lookup\; general information\, not advice). URL:https://aeolookup.com/financial-advisers/fca-complaints- return-31-december-2026-short-period-new-return-dates/ TRANSP:TRANSPARENT END:VEVENT BEGIN:VEVENT UID:2027-01-01-paraplanly-2@aeolookup.com DTSTAMP:20261001T000000Z DTSTART;VALUE=DATE:20270101 DTEND;VALUE=DATE:20270102 SUMMARY:The new complaints return starts counting: closed in 3 days\, in 8 weeks\, after 8 weeks DESCRIPTION:From this date every firm's return counts compla ints by how fast they were closed. The clocks on each compla int do not change: the third business day for early resoluti on and eight weeks for a final response. Source: FCA PS25/19 \, paragraph 3.3\; FCA Handbook DISP 1.5.1R and 1.6.2R (read 1 October 2026). The guide: https://aeolookup.com/financial -advisers/how-long-to-respond-to-complaint-financial-adviser -mortgage-broker-8-weeks/ (AEO Lookup\; general information\ , not advice). URL:https://aeolookup.com/financial-advisers/how-long-to-res pond-to-complaint-financial-adviser-mortgage-broker-8-weeks/ TRANSP:TRANSPARENT END:VEVENT BEGIN:VEVENT UID:2027-02-12-paraplanly-3@aeolookup.com DTSTAMP:20261001T000000Z DTSTART;VALUE=DATE:20270212 DTEND;VALUE=DATE:20270213 SUMMARY:Complaints return for the period ending 31 December 2026 due (England and Wales) DESCRIPTION:Thirty business days after 31 December 2026\, le aving out the 1 January bank holiday. In Scotland it is Mond ay 15 February. On 1 October 2026 a return not complete by i ts due date brought a £100 administrative fee. Source: FCA H andbook DISP 1.10.5R\, DISP 1.10.6AR and SUP 16.3.14R\; GOV. UK bank holidays (read 1 October 2026). The guide: https://a eolookup.com/financial-advisers/fca-complaints-return-31-dec ember-2026-short-period-new-return-dates/ (AEO Lookup\; gene ral information\, not advice). URL:https://aeolookup.com/financial-advisers/fca-complaints- return-31-december-2026-short-period-new-return-dates/ TRANSP:TRANSPARENT END:VEVENT BEGIN:VEVENT UID:2027-03-31-paraplanly-4@aeolookup.com DTSTAMP:20261001T000000Z DTSTART;VALUE=DATE:20270331 DTEND;VALUE=DATE:20270401 SUMMARY:Last day for the FCA to receive an application to ca ncel or reduce permissions DESCRIPTION:An application that reaches the FCA after 31 Mar ch does not change the fees and levies invoiced for the fee year that starts on 1 April\, and they are not refunded. It matters to any firm planning to stop or narrow its regulated business. Source: FCA\, How we calculate annual fees (read 1 October 2026). The guide: https://aeolookup.com/financial- advisers/mortgage-broker-fca-fees-2026-27-application-annual -levies/ (AEO Lookup\; general information\, not advice). URL:https://aeolookup.com/financial-advisers/mortgage-broker -fca-fees-2026-27-application-annual-levies/ RRULE:FREQ=YEARLY TRANSP:TRANSPARENT END:VEVENT BEGIN:VEVENT UID:2027-04-01-paraplanly-5@aeolookup.com DTSTAMP:20261001T000000Z DTSTART;VALUE=DATE:20270401 DTEND;VALUE=DATE:20270402 SUMMARY:FCA fee year 2027/28 begins DESCRIPTION:FCA fees and the ombudsman and guidance levies a re set for the year from 1 April to 31 March. The 2026/27 mi nimum fee is £2\,200. The 2027/28 rates had not been publish ed on 1 October 2026. Source: FCA Handbook FEES 4 Annex 2AR\ , rates for 1 April 2026 to 31 March 2027 (read 1 October 20 26). The guide: https://aeolookup.com/financial-advisers/mor tgage-broker-fca-fees-2026-27-application-annual-levies/ (AE O Lookup\; general information\, not advice). URL:https://aeolookup.com/financial-advisers/mortgage-broker -fca-fees-2026-27-application-annual-levies/ RRULE:FREQ=YEARLY TRANSP:TRANSPARENT END:VEVENT BEGIN:VEVENT UID:2027-04-06-paraplanly-6@aeolookup.com DTSTAMP:20261001T000000Z DTSTART;VALUE=DATE:20270406 DTEND;VALUE=DATE:20270407 SUMMARY:Unused pension funds and death benefits come into th e estate for inheritance tax DESCRIPTION:From this date most unused pension funds and dea th benefits are included in the estate\, and personal repres entatives report and pay the tax. Clients with large pension funds need the conversation before the date\, not after it. Source: HM Treasury and HMRC\, government response of 21 Ju ly 2025. The guide: https://aeolookup.com/financial-advisers /pension-iht-april-2027-workload-plan-advice-firm/ (AEO Look up\; general information\, not advice). URL:https://aeolookup.com/financial-advisers/pension-iht-apr il-2027-workload-plan-advice-firm/ TRANSP:TRANSPARENT END:VEVENT BEGIN:VEVENT UID:2027-06-08-paraplanly-7@aeolookup.com DTSTAMP:20261001T000000Z DTSTART;VALUE=DATE:20270608 DTEND;VALUE=DATE:20270609 SUMMARY:Consumer composite investments rules come fully into force DESCRIPTION:The FCA's new product information rules for reta il investment products apply in full from this date. A firm that advises on or sells one of these products is a distribu tor under the rules. The optional transition period began on 6 April 2026. Source: FCA\, PS25/20 web page\, last updated 9 December 2025 (read 1 October 2026). The guide: https://a eolookup.com/financial-advisers/adviser-charging-illustratio n-calculator-cumulative-effect/ (AEO Lookup\; general inform ation\, not advice). URL:https://aeolookup.com/financial-advisers/adviser-chargin g-illustration-calculator-cumulative-effect/ TRANSP:TRANSPARENT END:VEVENT BEGIN:VEVENT UID:2027-06-30-paraplanly-8@aeolookup.com DTSTAMP:20261001T000000Z DTSTART;VALUE=DATE:20270630 DTEND;VALUE=DATE:20270701 SUMMARY:First reporting period of the new complaints return ends DESCRIPTION:The period covers 1 January to 30 June 2027\, an d the FCA expects to receive the data from 1 July 2027. A fi rm with no complaints still files a nil return\, chosen at t he first question. Source: FCA PS25/19\, paragraph 3.3\; DIS P 1.10.4R as it will appear on 31 December 2026 (read 1 Octo ber 2026). The guide: https://aeolookup.com/financial-advise rs/fca-complaints-return-31-december-2026-short-period-new-r eturn-dates/ (AEO Lookup\; general information\, not advice) . URL:https://aeolookup.com/financial-advisers/fca-complaints- return-31-december-2026-short-period-new-return-dates/ RRULE:FREQ=YEARLY TRANSP:TRANSPARENT END:VEVENT BEGIN:VEVENT UID:2027-08-01-paraplanly-9@aeolookup.com DTSTAMP:20261001T000000Z DTSTART;VALUE=DATE:20270801 DTEND;VALUE=DATE:20270802 SUMMARY:FCA annual fee due in full for firms that paid under £50\,000 last year DESCRIPTION:FEES 4.3.6R: pay by 1 August or\, if later\, wit hin 30 days of the invoice date. A late payment brings a £25 0 administrative fee plus interest at 5% a year over Bank Ra te under FEES 2.2.1R. Source: FCA Handbook FEES 4.3.6R and F EES 2.2.1R (read 1 October 2026). The guide: https://aeolook up.com/financial-advisers/mortgage-broker-fca-fees-2026-27-a pplication-annual-levies/ (AEO Lookup\; general information\ , not advice). URL:https://aeolookup.com/financial-advisers/mortgage-broker -fca-fees-2026-27-application-annual-levies/ RRULE:FREQ=YEARLY TRANSP:TRANSPARENT END:VEVENT BEGIN:VEVENT UID:2027-08-11-paraplanly-10@aeolookup.com DTSTAMP:20261001T000000Z DTSTART;VALUE=DATE:20270811 DTEND;VALUE=DATE:20270812 SUMMARY:First new complaints return due (England and Wales) DESCRIPTION:Thirty business days after 30 June 2027 under DI SP 1.10.5R. In Scotland the 2 August bank holiday makes it T hursday 12 August. Each firm files its own return\, because joint reports for a group end with the old form. Source: FCA Handbook DISP 1.10.5R\; FCA PS25/19\, paragraph 1.6\; GOV.U K bank holidays (read 1 October 2026). The guide: https://ae olookup.com/financial-advisers/fca-complaints-return-31-dece mber-2026-short-period-new-return-dates/ (AEO Lookup\; gener al information\, not advice). URL:https://aeolookup.com/financial-advisers/fca-complaints- return-31-december-2026-short-period-new-return-dates/ TRANSP:TRANSPARENT END:VEVENT BEGIN:VEVENT UID:2027-12-31-paraplanly-11@aeolookup.com DTSTAMP:20261001T000000Z DTSTART;VALUE=DATE:20271231 DTEND;VALUE=DATE:20280101 SUMMARY:Second reporting period of the new complaints return ends DESCRIPTION:The period covers 1 July to 31 December 2027. Th e return is due within 30 business days\, which in England a nd Wales is Monday 14 February 2028. Source: FCA PS25/19\, p aragraph 3.5\; FCA Handbook DISP 1.10.5R (read 1 October 202 6). The guide: https://aeolookup.com/financial-advisers/fca- complaints-return-31-december-2026-short-period-new-return-d ates/ (AEO Lookup\; general information\, not advice). URL:https://aeolookup.com/financial-advisers/fca-complaints- return-31-december-2026-short-period-new-return-dates/ RRULE:FREQ=YEARLY TRANSP:TRANSPARENT END:VEVENT END:VCALENDAR