Author Archives: henry tapper

About henry tapper

Founder of the Pension PlayPen, Director of First Actuarial, partner of Stella, father of Olly and the Pension Plowman

What is FinTech and why does it matter to David Cameron?


Skinny Latte for Cameron On his trade trip to the Far East, “FinTech” was to David Cameron what “Prudence” had been to Gordon Brown. So what is FinTech and why does it matter so much to our Prime Minister that he was … Continue reading

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WOW – RDR II just broke out!


The FCA have launched what they call “a major new review looking at how financial advice could work better for consumers”. A quick scan of the Terms of Reference of this Financial Advice Market Review suggests it is as ambitious in … Continue reading

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Ten things everyone should know about workplace pensions


              Pensions are difficult; how can buyers choose one from another? Look from the list of categories at the attributes that IFAs consider important when deciding on a pension? Confused? …… I was! The traditional … Continue reading

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Turning payroll administrators into pension managers


      A payroll administrator pays someone tomorrow, a pension manager pays someone for ever. A workplace pension is no more than deferred pay, you remove money from today’s pay-packet and it is returned later, when there’s no money … Continue reading

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Auto-Enrolment needs more Training and less Selling


The standards adopted by those administering auto-enrolment have been high. Compliance to some complex problems that payroll, HR and pension providers have faced has been impressive. Sure there have been failures but countries (such as Ireland) reviewing the progress of … Continue reading

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What employers can do to get their members better pensions


Yesterday I had a chance to talk with a large employer about what they can do to help improve the outcomes of their DC plans. Influencing employees to get the best out of their pension savings means getting them to … Continue reading

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What AE’s doing to pension saving – guest blog from Richard White


Richard White works for Portal Financial a Rochester based IFA who are producing some really interesting stuff on pensions. This is Richard’s first blog for us and I hope we’ll be able to feature more! Research highlighted in our blog post … Continue reading

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Why the FCA should take a leaf out of tPR’s book.


  The Pensions Regulator have been re-born over the last five years and become focussed on helping advisers, trustees and employees solve pension problems. They have started treating us as  customers and not potential criminals. Sadly, this attitudinal shift doesn’t seem … Continue reading

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“We all defer together?” – Guest Blog from Ralph Frank


The recently announced consultation on pensions tax relief has stirred up thought and debate on the issue of incentivising long-term saving.  There are theoretical, commercial and practical aspects to be addressed in this process of defining an approach to pensions … Continue reading

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“Tax relief – what are the numbers?” Guest blog from Ralph Frank


The Government has repeatedly expressed its concern, both in the 2015 Budget (paragraph 1.232) and in the recently announced consultation on pensions tax relief, at the level of income tax forgone through the provision of pension tax relief.  This concern … Continue reading

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