Tag Archives: Financial services

Knowing the “money” in “value for money”.


At last we may get to know what we really pay for the management of our funds so we can work out it it’s worth it. Continue reading

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When will we ever learn?


  There are no short-cuts in pensions, there are no silver bullets, easy answers, no lottery wins, no free alpha. There’s just a lot of hard saving backed up by good governance , cost control and sound investment strategy. Pete Seeger, … Continue reading

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Why are we not talking about our pensions? An IFA’s view (guest blog)


On 6 April 2015, brand new rules that affect the way UK retirees can access their pension will come into effect. To assist people in generating their retirement income the government has guaranteed free guidance to all retirees, yet a … Continue reading

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Pension transfers – are they worth it?


Britain is in great need of advice on transfers between one pension and another. This doesn’t just mean transfers from defined benefit schemes to defined contribution schemes, it means support in transferring pot to pot transfers for DC arrangements. Unless … Continue reading

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A code of good practice for transfer advice?


  We are rubbish at financial risk and we know it. We take decisions on financial matters with as much confidence as betting on the horses and if our horse falls at the first we blame everyone but ourselves! Small wonder that … Continue reading

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Money in auto-enrolment? – the jury’s out!


This morning and regularly over the next few weeks, I will be speaking at Money Marketing Auto-Enrolment invitational events around Britain. These are the slides that I will  be using   Advisers and auto enrolment from Henry Tapper It’s odd … Continue reading

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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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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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