Category Archives: advice gap

AI – can it help us retire?

Posted on January 3, 2020 by henry tapper

We have known throughout human time that their is wisdom in crowds. Hunters followed paths created by their ancestors , ignoring the paths that didn’t help and focussing on those that did. We have ways of developing things from arrowheads … Continue reading →

Posted in advice gap, artificial intelligence, Bankers, blockchain, doctors, pensions | 1 Comment

2019 was not a year to hedge your bets

Posted on December 29, 2019 by henry tapper

As the decade closes , it’s a time to look back as well as forward. For the vast majority of us, our financial health depends on valuations of assets the price of which we cannot directly control. We may build … Continue reading →

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

Let’s kick the dogs out of the manger!

Posted on December 28, 2019 by henry tapper

A good reason why pension dashboard infrastructure should be open … any payroll provider could then include pension information directly on payslips. I expect that is far more effective than signposting a single government provided dashboard — alan chaplin (@achaplin71) … Continue reading →

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

AgeWage grumpily comments on DWP’s simple pension statement.

Posted on December 17, 2019 by henry tapper

The DWP are considering how to support an industry initiative to create simpler , more effective pension statements. It has asked people to respond to its consultation. I and my company – AgeWage – support simpler pension statements and in … Continue reading →

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

A propitious moment for pensions

Posted on December 17, 2019 by henry tapper

Yesterday was exuberant. The main UK stock market index rose 2.4%, the FTSE 250 even more. The pound rose and there is a “fill your boots” feel to the City of London. The Conservative party gaining a significant overall majority … Continue reading →

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

Elections destroy trust and time

Posted on December 11, 2019 by henry tapper

By this time tomorrow, I will have cast my vote in what is being called the most important election in a generation. Of course it isn’t any such thing, it is just an adjustment to the dial if power. At … Continue reading →

Posted in advice gap, age wage, pensions | Tagged , , , , | 4 Comments

In defence of professional indemnity insurance

Posted on December 10, 2019 by henry tapper

  Insurance markets do not lie, they reflect perceived risk. The cost of professional indemnity insurance for IFAs is rocketing (I know – I’ve been quoted). This is as a result of increased perceived risk of claims against insurance from … Continue reading →

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

The nations wealth is in pensions but not in DC pots

Posted on December 8, 2019 by henry tapper

Private pension wealth is the largest component of household wealth, marginally bigger than total property wealth, and its value has increased by more than that of property wealth too. This reflects a slight cooling in the housing market, while the … Continue reading →

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

“There is no justice in Guernsey, but men protecting secrets”.

Posted on December 7, 2019 by henry tapper

Email from Niall Coburn to Guernsey Bailiff, in response to the Manita Khuller judgment: Dear Bailiff Collas, I write to you as former Head of Enforcement and regulator and lawyer who has worked internationally and attended the Trial of Manita … Continue reading →

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

What I’d pay more taxes for.

Posted on December 7, 2019 by henry tapper

This election has become about “Getting Brexit Done” and “Saving our NHS”. It could have been about so much more. We don’t live in a just society when we allow poverty of the type video’d here. This is a tough … Continue reading →

Posted in advice gap, age wage, pensions | Tagged , , , , | 4 Comments