Category Archives: advice gap

Three reasons why we don’t need DB transfers

Posted on July 19, 2019 by

Of all the pension freedoms, the freedom to take a cash equivalent transfer value (CETV) from a defined benefit scheme came first and has done most damage to the pensions system Introduced by Norman Fowler in 1987 alongside the personal … Continue reading →

Posted in advice gap, pension playpen, pensions | 5 Comments

Preparing for getting old

Posted on July 18, 2019 by

  An excellent report launch. Thank you to our panel, Chair, report sponsors & event hosts. And to our guests https://t.co/l3LIXZB4vG @PeoplesPension @SOLLAadvice @dwppressoffice @dwppressoffice @DWP @MoneyPensionsUK @traverssmith @age_uk @WEALTHatwork @tish8515 @mac290964 pic.twitter.com/GFagDp3Ckb — Pensions Policy Inst (@PPI_Research) July 17, … Continue reading →

Posted in advice gap, pensions | 2 Comments

“Your pay-rise is a pension rise”

Posted on July 17, 2019 by

  I often “wake up to money” but not to this! In a discussion about when we last got a pay-rise, one listener mailed in that her boss told her “your pay-rise is a pension rise” It’s the first time … Continue reading →

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

Are DC trustees worth the money?

Posted on July 15, 2019 by

  It seems churlish to take up your Monday morning with matters of pensions governance, what with the cheers at Lords, Silverstone and Wimbledon sill ringing round the country but I will! My blog yesterday set out the case for … Continue reading →

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

Time to tackle pensions tax

Posted on July 12, 2019 by

Pension taxation isn’t working. It is benefiting those who find it easy to save and not incentivising those who don’t. It is causing doctors to work below their peak capacity and demanding up to 25% more in contributions from our … Continue reading →

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

The value you get for your pension money

Posted on July 10, 2019 by

Independent help for all pension savers I started yesterday in the swanky new film studio under the FT’s Bracken House. It had to be built on stilts and sound and vibration sealed as the district line runs right below it. … Continue reading →

Posted in advice gap, age wage, pensions | Tagged , , , , , , | Leave a comment

Giving doctors a break

Posted on July 9, 2019 by

“82% of consultants say they are are or are planning  cutting down on work” – Dr Tony Goldstone You can listen here to Dr Goldstone explain the issues facing doctors who find themselves on the cliff edge of taxation and … Continue reading →

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

The right (and wrong) types of pension scheme consolidation

Posted on July 3, 2019 by

Our vision for the future of occupational pensions is one where all savers are in schemes that have excellent standards of governance that deliver good value. Over time we think this will mean having fewer, but better governed schemes in … Continue reading →

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

Family offices and Social Impact.

Posted on July 1, 2019 by

Sometimes you get the key insights from the most obscure sources. Here is the statement that concludes an article posted on Linked in by Tony “Property investment” Miller who runs a Mayfair property boutique called Huriya (and is a member … Continue reading →

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

Darren Cooke – outstanding contribution

Posted on June 27, 2019 by

For those not at the Money Market Awards, here is the speech I gave in praise of Darren Cooke who rightly won recognition for his work and his spirit. Thanks Darren Outstanding contribution to the profession This year’s award will … Continue reading →

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