Agreed - though the contribution rates into private sector DB when we were accruing was often less than deficit payments…
my point is a simple one. Apart from DB pension provision in the U.K. is a disgrace Individual Median Pension…
It's a made up statistic and I'm sure AI would give you a different one but we need to accept…
The value of adviser in terms of outcomes is well documented and quantified The ignorance displayed in this blog hopefully…
Tag Archives: advice
Why people like me can afford but don’t employ a financial advisor.
Artificial advice (if we can call it that) is the best that most of us feel we can afford. Continue reading
Posted in pensions
Tagged advice, AI, Artificial advice, Authorised, FCA, Joejoe, Pensions
4 Comments
Advisers on collective pensions will be rare till CDC is common.
You shouldn’t have a pension strategy that doesn’t suit your workforce and doesn’t suit the company sponsoring it! Advice is needed but who to take it from? Continue reading
Posted in pensions
Tagged advice, CDC, Collective Pensions, first actuarial, Gallagher, Hymans Robertson, LCP, trade unions, unions
1 Comment
The Treasury has opened up new seams of fees for pension advisers and consultants.
I’m sorry Jason, I don’t think your observation is any more valid than the money in the photo, it may be money but no one else observes it. Here’s what benefit consultants have got on their mind For decades savers … Continue reading
Posted in pensions
Tagged advice, AgeWage, auto enrolment, dc pensions, Defined benefit pension plan, inheritance tax, pension, Pensions, Retirement
1 Comment
The SJP dispute over who owns the clients (again)
I remember when I was in the game of building a business as a self-employed adviser working for SJP’s predecessor (Hambro and then Allied Dunbar). Coincidentally, insurance has moved on a long way in most respects (see Gordon Aitken for … Continue reading
Posted in pensions
Tagged advice, Business and Economy, Management, SJP, St James Place, Wealth
2 Comments
Do I really need to pay for advice to get what I was promised?
The picture above is how advisers picturing themselves. This blog argues that for most of us, it’s nothing like this! I find it extraordinary that we consider it necessary to pay for advice to take our pension. But that’s the … Continue reading
Segmenting members – ouch! I don’t fancy being decumulated either!
This is from the promo for this week’s rather important talk about Standard Life’s Retirement Proposition. As Standard Life are (since buying Aegon) at the top of the tree (by size), what Esther says matters a lot to people … Continue reading
Posted in pensions
Tagged advice, decumlation, Fact finds, Pensions, Sectioning, Standard Life
2 Comments
I’m interested! What’s the impact of the Government’s pension changes on IFAs?
What is happening in the world of workplace pensions? While the IFA may be interested in wealth management, the Government has moved to get workplace pots that turn into pensions. There are two changes that they have introduced. The first … Continue reading
Good, bad or irrelevant? The impact of these pension changes on IFAs.
What is happening in the world of workplace pensions? While the IFA may be interested in wealth management, the Government has moved to get workplace pots that turn into pensions. There are two changes that they have introduced. The first … Continue reading
Do you use AI for retirement planning and could it ever replace human advice?
The FT is calling out for feedback on how people are getting on with AI in planning their retirement. I know Mary and her advanced bump so am sharing a link to her request which you can access and leave … Continue reading
The American view of Dutch Pensions – tickled!
January 2026 , Collective defined Contribution CDC, International Today’s financial Goldilocks moment—with strong equity returns and robust fixed income yields—creates favorable conditions for the Netherlands to complete its long-planned switch from traditional private defined benefit plans to ‘collective defined contribution. ‘You can almost … Continue reading
Aitken is most concerned with life insurers/assurers. Warren Buffett invested in non-life insurers for their distinctive economics, particularly the investment…