Tag Archives: advice

Who wins from platforms?


    I enjoyed reading the FCA’s Terms of Reference for its Platform Market Study, it posed many questions and I’m looking forward to the answers. Few investors properly understand what platforms are , what they do and  how much they … Continue reading

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

This market failure’s not about advice but product.


  The FCA paper on structural problems with the pension freedoms that I wrote about yesterday, is the first evidence of Government admitting all in this garden is not rosy. What has happened since 2015 is an increase in people hammering … Continue reading

Posted in advice gap, CDC, pensions | Tagged , , , , , , , | 5 Comments

A single guidance service


The simple idea of merging the functions of The Pension Advisory Service, Money Advice Service and Pensions Wise under a single “Guidance” banner makes a lot of sense. It acknowledges that the current situation is working too well and supposes … Continue reading

Posted in pensions | Tagged , , , , , , | 7 Comments

Estuarial investors – running scared?


  Al Rush and I are aiming for a balanced great transfer debate where the voices of all sides of the conversation will be heard. So we have stretched out the hand of friendship to the estuarial adviser and investment … Continue reading

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If you see bad advice – say something!


  I was very pleased to read Natalie Holt’s article in Money Marketing, we need a better way to deal with bad advice. It deals with public perceptions of financial advisers and is uncompromising. The reality of advice is lost … Continue reading

Posted in accountants, actuaries, advice gap, pensions | Tagged , , , , , | 5 Comments

Tideway – we’ll resume this conversation on June 19th!


  The original blog published here has been the subject of certain threats by Tideway Investments both to me and to my employers. I have no intention of letting this blog get in the way of my daily work by … Continue reading

Posted in pensions | Tagged , , , , | 13 Comments

My biggest financial decision was made with professional advice.


The most important single financial decision facing the baby-boomers of middle England today is what to do with their defined benefit pension rights. It is – alas – a binary decision as few schemes offering split transfer values; the choice is “should I stay … Continue reading

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

Why Martin Bamford is right to stay an independent financial adviser


SJP – we have been here before Martin Bamford has produced an excellent piece explaining why everyone he knows “loves to  hate St James’ Place” . It turns out that quite a few people Martin knows work for St James’ … Continue reading

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

Pension Wise+Pension Dashboard=?


You’ve probably seen the splurge of advertising for Pensions Wise, as it eases towards a new brand. Odd! Someone’s got a budget to burn! In a couple of months we’ll have a new brand and a whole load more rules … Continue reading

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“Famine or feast pensions”- demand advice is better spread.


Where you work not how you work determines your pension prospects. If you choose to work for a blue chip company or for the Government you can expect at worst a high contribution to a workplace pension and at best a … Continue reading

Posted in accountants, actuaries, advice gap, auto-enrolment, pensions | Tagged , , , , , , , , , , , | Leave a comment