Tag Archives: dc pensions

Let’s talk about risk – trustees, let’s talk about you and me..


Members cannot take exercise freedoms on pensions in payment so the decision to draw a DB pension is as irreversible as buying an annuity. Trustees need to make their members knowledgeable about their options. Continue reading

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How Payroll can avoid offering pension advice (in 5 easy lessons)!


The blog in a nutshell This is a long risk-warning to payroll bureau and their software suppliers  who may be considering providing advice to employers by reducing the choice of pension options to one – a default. If you don’t … Continue reading

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How challenging? We are IGC


I love it when you get “Pension News” from a lawyer. The latest gem comes from Pinsent Masons, who reveal that the FCA expects Independent Governance Committees to challenge insurance companies. This is what I call a “not news” story … Continue reading

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Grown up brands


How does a brand develop gravitas? Almost all internet start-ups set out to disrupt and this disruption starts with the brand. From the fore-runner Egg to the much advertised Nutmeg, we are asked to think of the brand as something … Continue reading

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Independence just got that little bit more valuable.


Standard Life have announced that they are setting up a salesforce offering restricted advice . Apparently it demonstrates the insurer’s commitment to the advisory sector. I suspect it is a recognition that the experiment providing mass market independent advice is all but … Continue reading

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Good news from the Regulators


          It has been an important week for the regulation of workplace pensions. Not only have the DWP published the rules that govern workplace pensions qualifying to be used for auto-enrolment, but the FCA  published – … Continue reading

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Are workplace pensions “risk-free” to employers?


If you think workplace savings plans are “risk free” to employers – think again; “value for money” changes that Continue reading

Posted in advice gap, Bankers, consultant, dc pensions, Fiduciary Management, First Actuarial, pension playpen, pensions, Retail Distribution Review, Retirement | Tagged , , , , , , , , , , , , , , , , , , , , , , , | Leave a comment

“Free money”- why do those eligible for it- not want it; guest blog from Ralph Frank


NEST has recently published its latest annual ‘insight’, a study that looks at the behaviours and attitudes of members enrolled into workplace pensions.  The ‘insight’ finds that older workers have significantly higher opt-out rates from auto-enrolment than younger workers – … Continue reading

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Payroll – the new paymasters?


It is a truth universally to be acknowledged that the man who bills the client is likeliest to get rich. We have got used to insurance companies and advisers controlling the price of our pension savings schemes. But  by April … Continue reading

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How did IFAs end up payroll experts?


  In 2011 I started getting interested in payroll. Having read the automatic enrolment regulations it seemed I’d have to if my firm was to help employers. In 2012 and 2013 and 2014 I was named among the top 50 … Continue reading

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