Tag Archives: advice

NHS pensions are damaging the NHS – a doctor writes

Posted on March 6, 2019 by

    This article is by Dr Nitin Arora I asked to publish it as I have followed his work on twitter to help pension professionals understand the current problems facing members of the NHS pension scheme. As I have … Continue reading →

Posted in NHS, pensions | Tagged , , , , | 2 Comments

Why do people take pension choices that make them sad?

Posted on December 9, 2018 by

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 , , , | 7 Comments

Are you and your savings “retirement ready”?

Posted on September 22, 2018 by

I’m getting fit, which is a long way off saying “I’m fit” in any sense of the words. But just getting rid of the first few pounds has put me in a much better frame of mind. Many of us … Continue reading →

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The “wonder” of wealth

Posted on August 15, 2018 by

As Dr Chris Sier entered the Corinthia Hotel on Wednesday, en route to a cup of tea with the AgeWage management team, he noticed a gentleman handing over his Bentley keys  to the doorman, with a fifty pound note as a tip . … Continue reading →

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Do pension customers get value for money from financial advisers?

Posted on August 9, 2018 by

This is the last of eight blogs I’ve written in response to the Work and Pensions Select Committee’s inquiry into Pension Transparency. Today’s exam question is “Do pension customers get value for money from financial advisers?” and the quick answer … Continue reading →

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Do YOU need a financial adviser in retirement?

Posted on June 25, 2018 by

The argument is central to most pension debates at the moment. There are some who would have everyone who reach 55 meet with an adviser. Others who would limit the pension freedoms to those prepared to pay advisers to manage … Continue reading →

Posted in advice gap, pensions | Tagged , , , , , | 8 Comments

Fintech must Bee for a clear purpose

Posted on April 18, 2018 by

I’m looking forward to a breakfast meeting at the CSFI to hear a conversation between Romi Savova and several sceptics who don’t get the Pension Bee proposition. As I’ve mentioned on this blog several times, I admire Pension Bee and … Continue reading →

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My call for an end to contingent fees on DB pension transfers

Posted on March 9, 2018 by

  Calls to keep contingent pricing fall on my deaf ears. I champion the pension rights of those with low incomes and I champion the rights of those likely to get lower pensions (women). I don’t champion the right of … Continue reading →

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

HMRC and FCA complicit in the democratisation of villainy.

Posted on February 18, 2018 by

If the FCA want to get to grips with the problem of contingent (conditional) charging, they had better have a look at the taxation of advice and make changes in the Finance Act 2018 to the way we tax advice. First … Continue reading →

Posted in accountants, advice gap, dc pensions, pensions | Tagged , , , , , , , , | 15 Comments

BSPS – a big win – but at what cost?

Posted on January 30, 2018 by

  It now seems quite certain that the New British Steel Pension Scheme will happen and that it will be populated by the majority of members of the current British Steel Pension Scheme. In announcing the results of “Time to … Continue reading →

Posted in BSPS, pensions | Tagged , , , , , , , | 1 Comment