Tag Archives: advice

“Advice for Middle Britain” – keeping the cost down.

I’ve recently published a blog called “Advice for Middle Britain” which argues for a more honest approach to the promotion of dependent advice. It sets out a trade-off between the purity of fee-based advice and what people can afford. Most … Continue reading

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Is MaPS creating a UK Financial Wellbeing Movement?

At this time of crisis , we need to be deploying our resources to meet the immediate needs of our customers and MaPS should be no different Continue reading

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Adding life to our years, not just years to our lives.

  “What all of us want, as we age, is to add life to our years, rather than just years to life. An extended middle age is not unique to US politicians. It should be available to everyone — and … Continue reading

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It’s not the customers who needs to change – it’s the advice they get.

  Just eight per cent of the 2,011 39-54-year olds captured in the nationwide ‘Generation X Retirement Prospects’ study commissioned by pensions specialist fintech company Dunstan Thomas, have consulted an Independent Financial Adviser in the last 12 months. These findings … Continue reading

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Pathways? – We can’t see the wood for the trees.

  Investment pathways Investment or retirement pathways- as the title of an event I went to had it, are the FCA’s idea for helping people take better decisions at retirement than they do today. They’re mainly for the people who … Continue reading

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Some home-truths about our pensions.

When asked “have you got a pension”, most people now say yes. That’s because most people (not all) who are in workplace pensions see the amount paid into a savings account as a payroll deduction that says “pension”. There are … Continue reading

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SABS in the back – the minister’s last hurrah!

Simpler annual pension statements (SABS) got a well-needed boost this morning when the DWP launched a consultation into their adoption. This looks like being just about the latest Government consultation of this parliament and it could be the swan-song for … Continue reading

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Are IFAs missing the wood for the trees?

A thread , which is now nearly a week old, has over 1000 posts on it and it focusses exclusively on the tax problems doctors are having resulting from the tension from too much pension . That is, till the … Continue reading

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IFAs must explore other advisory models to survive and prosper.

Martin Bamford is precisely the spokesperson financial advisers need. He bridges the gap between the worlds people like me and Clive Waller grew up in, a world where “get rich quick” was the primary driver, to a different one, one … Continue reading

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Are the nuts and bolts of our workplace pensions coming loose?

  In September 2018, the Financial Times reported on PensionSync research Millions of pounds of tax relief has been overpaid to workplace pension savers in the UK following errors made by tens of thousands of employers. Regulators conceded this week … Continue reading

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