Tag Archives: advice
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
How can people get advice about pension defaults like CDC?
In the comments that follows , there is some useful follow up, I suspect that Tony understands enough of CDC to be worried. UK CDC (unlike the Dutch) has no pot for each member so he’s right to point out … Continue reading
Tax free cash? Taken advice? Panicking?
I find it hard to justify my blog pushing back on this work But I fear I’ll have to! First the phrase “still in work” applies to many people who have “retired”. Not many people say they’ve stopped working and … Continue reading
Would you act the car finance salesman – and advise at SJP?
Choose a discretionary charging structure that harmed the client’s finances to pay my adviser more money – no thank you! I’ll wait till the end of the month to transact, I’m sure I would, but I’m not sure I’d invest … Continue reading
How did the “Pension Security Alliance” get away with it at the Times?
Here are extracts from a Times article quoting a new group opposing proposed changes in the Pension Investment Review. The same article appears in the Daily Express, Business Matters, Pension Age Actuarial Post and many others. There may be a … Continue reading