Category Archives: advice gap

Managing pension expectations – are we doing enough?


This is one of those blogs where my focus is on big Government – or policy – rather than the little things that go into making political strategy happen. For a long time, as long as I’ve been working, there … Continue reading

Posted in advice gap, age wage, pensions, religion | Tagged , , , , , | 2 Comments

4 Steps to finding a pension ; PensionBee


This post’s by PensionBee. I know it’s an advert but it’s exactly what is needed right now. I wrote earlier today about how we can make pensions more interesting and fun and that’s exactly what Romi, Clare  and their  beekeepers … Continue reading

Posted in advice gap, pensions | 2 Comments

People don’t want to be #engaged or #educated – keep it simple and fun!


I enter into the final days of the year, hoping to hear less of the e-words in 2019. “Education” has been appropriated by the financial community as a way to endorse a value set that suits the financial community. Put … Continue reading

Posted in advice gap, pensions | Tagged , , , , , , | 1 Comment

What is the net pay anomaly?


      UK government spending on pensions and top-up benefits for pensioners amounts to 5.9 per cent of GDP – and this figure is projected to increase to 6.3 per cent over the next half century. In addition, the … Continue reading

Posted in advice gap, auto-enrolment, pensions, Treasury | Tagged , , , , , | 1 Comment

“Deliver me a world without work”!


In almost every conversation I have had about the purpose of a pension dashboard, up comes the word “engagement”. Engagement has become the horse to the savings cart, “you can’t expect people to save more unless you’ve engaged them with … Continue reading

Posted in advice gap, age wage, Dashboard, pensions | Tagged , , , , , , , , | 1 Comment

Time for a re-think on drawdown practice? – Clive Waller


  This article by Clive Waller is great because it comes from a good heart. Many advisers reading it will not find it good at all, it calls into question the sustainability of their business model. Many of their customers, who probably … Continue reading

Posted in advice gap, pensions | Tagged , , , | 3 Comments

The price of being sick in the head


  “Sick in the head”? The phrase doesn’t quite work for Tina – a 38 year old Mum who suffered from post-natal depression and then found her life and critical illness insurances 30% more expensive than if she hadn’t declared … Continue reading

Posted in advice gap, annuity, pensions | Tagged , , , , , , , | 1 Comment

Why do people take pension choices that make them sad?


I’ve been reading a short report by Demos for Legal and General. L&G provide annuities and want to understand  the fall in the numbers of annuities purchased. The retirement riddle is that the choices people are taken since the pension … Continue reading

Posted in advice gap, age wage, pensions | Tagged , , , | 6 Comments

Contingent charging – “commission” by another name?


Along with Al Rush, Jo Cumbo , Michelle Cracknell – I was interviewed yesterday by the BBC Moneybox team for a Christmas special on pension transfers. It’s always good doing these things as it forces you to say what you … Continue reading

Posted in advice gap, pensions | Tagged , , , , | 3 Comments

UK – OK! Disclosure battle won – now let’s win the peace.


The PPI have produced a really excellent paper “Charges, returns and transparency in DC – what can we learn from other countries?” The report, sponsored by Which? explores UK charges for pension schemes against those in the US, Australia, the … Continue reading

Posted in advice gap, Dashboard, dc pensions, pensions | Tagged , , , , , | Leave a comment