Tag Archives: Financial adviser

Keeping the vultures at bay (pension liberation)


This message hit my inbox this  morning from the indomitable Angie Brookes A new campaign has been launched to warn people of the dangers of pension liberation and the fraudsters who are peddling this junk. Pension Life – http://www.pension-life.com – … Continue reading

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Replacing the financial salesman in the workplace.


Auto-enrolment killed this kind of adviser as video killed the radio star. Continue reading

Posted in advice gap, annuity, auto-enrolment, Payroll, pensions | Tagged , , , , , , , | 13 Comments

Pension agnostic?


An “agnostic” is someone who knows he cannot know and so gives up trying to find out. You hear the phrase “pension agnostic” bandied around at the moment, mainly from the providers of ancillary services that help companies auto-enrol. If you key … Continue reading

Posted in actuaries, Consolation, corporate governance, dc pensions, defined aspiration, Fiduciary Management, Financial Education, First Actuarial, hargreaves lansdowne, pension playpen, pensions, Retirement | Tagged , , , , , , , | 7 Comments

The solid value of insurance


“The people I talk to full into one of two categories, either you’ve built up some money and want to hang onto it, or you are looking to .” That was our opening gambit when we met with prospects. I … Continue reading

Posted in economics, Fiduciary Management, life insurance, pensions | Tagged , , , , , , , | 1 Comment

The RDR has scotch’d the snake not killed it!


the FSA has “scotched the snake not killed it”. Continue reading

Posted in actuaries, governance, Martin Lewis, pensions, poetry | Tagged , , , , , , , | Leave a comment

Why we don’t need to fear a pension “advice gap”.


Last night it was the House of Lords, this morning it was a Parliamentary Select Committee. Both were concerned that an “advice gap” has been created that will mean poor people do not get financial advice on retirement planning. The argument goes that … Continue reading

Posted in auto-enrolment, dc pensions, NEST, pension playpen, pensions, Popcorn Pensions | Tagged , , , , , , , | 6 Comments

The New Dawn Fades (for IFAs)


For twenty five years we have been sold the need for independent financial advice. I was an IFA once and never for a moment reckoned I was offering independent advice – one product looked pretty much like another and if product … Continue reading

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Advice in the workplace is 20% cheaper


I’m grateful to Paul Taylor of McCarthy Taylor for an excellent article on the current VAT treatment on the provision of free standing versus product related advice. His point is that when advice is linked to a VAT exempt product, the product can be used … Continue reading

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Don’t tell me what to do – give me advice!


In a recent polldaddy poll I asked whether people would pay for advice to get information, find out their options or to be told what to do. 60% of people wanted options , 30% wanted to be told what to do and 10% … Continue reading

Posted in corporate governance, customer service, dc pensions, de-risking, pensions, Retail Distribution Review, Retirement | Tagged , , , , , , , , , | 5 Comments

Why pay for advice? Take the poll!


[polldaddy poll=5703072] This is a question that troubles me – not surprising as I’m a pensions adviser who reckons his job is to get people to the point when they can manage their pension affairs by themselves. If advisory self sufficiency is … Continue reading

Posted in corporate governance, dc pensions, NEST, pension playpen, pensions, Retail Distribution Review, Retirement, social media | Tagged , , , , , , , , , , , , | 6 Comments