Tag Archives: Human Resources

Why Face to Face Guidance may be impossible.


  I didn’t know what to expect from the Life Planning Association, whose meeting I attended on Wednesday as a guest of Wladek Koch. What I got was an insight that makes sense of why I believe Face to Face … Continue reading

Posted in advice gap, dc pensions, de-risking, FCA, pensions | Tagged , , , , , , , , | 3 Comments

Can accountants ignore workplace pensions?


While all the noise is about the risks of employers not fulfilling their duties to set up and establish the processes to make “auto-enrolment” happen, the point of auto-enrolment, which is of course to deliver decent income for staff in … Continue reading

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Standard Life comes up trumps


Four years ago I sat in a crowded room in the DWP’s offices, to hear insurer after insurer refuse to commit to providing a service to small and medium sized companies, let alone the micro employers of which there are … Continue reading

Posted in advice gap, dc pensions, pension playpen, pensions, Retirement, workplace pensions | Tagged , , , , , , , , , , , , , , , , , | Leave a comment

“Better workplace pensions – further measures for savers”


Recognise the title? It’s what the DWP chose to call their Command Paper on charges. This paper is not a justification for a charge cap, it’s a new framework for DC pension governance. It’s gone un-noticed but only one chapter … Continue reading

Posted in advice gap, corporate governance, First Actuarial, pensions, Retirement | Tagged , , , , , , , , , , , , , , , , , | Leave a comment

“What’s it like to be retired?”


It could be the trending chant at any event that Alex Ferguson turns up to – a taunt to a man who having lost control has seen slump into mundanity in a few short months. Financial wellbeing in later life … Continue reading

Posted in annuity, auto-enrolment, Bankers, Facebook, Financial Education, First Actuarial, pension playpen, pensions, Popcorn Pensions, Public sector pensions, steve webb | Tagged , , , , , , , , , , , , , , , , , , , , , , , , | Leave a comment

When only a dedicated project manager will do – AE needs new advisers.


Most pension people trying to project manage auto-enrolment have found themselves out of their depth. Whether you are an actuarial consultant or an IFA the issue is the same- you know little about HR processes and less about payroll. Integrating … Continue reading

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Your life for sale – what a liquid annuity market could mean.


Why people like me get cross with him is that he is dangling carrots and waving sticks but the donkey is locked in the stable. To get the animal moving, Steve Webb or his successor is going to have to open the stable door. Continue reading

Posted in annuity, pension playpen, pensions, Retirement, workplace pensions | Tagged , , , , , , , , , , , , , | Leave a comment

Auto-enrolment for HR managers


It’s the employer’s job to get their staff to save. This is the simple message of this guide. Unfortunately, the devil’s in the detail and this guide is quite technical. re being Auto-enrolment is not just about complying with regulations, … Continue reading

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Employers can help staff with their money – if only we’d let them


It’s time companies got their mojo back and got real with staff. Www.pensionplaypen.com helps to do just that. Continue reading

Posted in auto-enrolment, Henry Tapper blog, pensions, Retail Distribution Review, Retirement | Tagged , , , , , , , , , , , , | Leave a comment

Good with food – not so good with money.


The sad events at the Co-operative Bank this year are not the first financial services scandal to hit the Co-operative movements. Less publicised but no less carnal, was the behaviour of the management of Co-operative Insurance Services (CIS) who were … Continue reading

Posted in auto-enrolment, Bankers, Change, club pension | Tagged , , , , , , , | 1 Comment