Tag Archives: advice

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

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Transfer heaven or transfer hell?


Saturday kitchen’s binary dilemma informs on the “stampede” for a defined benefit transfer value (CETV). Those who still have this option have been offered as much as 40 times the prospective pension as cash payable to an approved pension. With … Continue reading

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Fundamental concern with pension regulation.


Con Keating on the political economy of UK pension scheme regulation John Woods’ paper “The political economy of UK pension scheme regulation” should be read closely, and repeatedly in both the FCA and the DWP, and used to inform their … Continue reading

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Planning Finances or Selling Insurance?


I’ve written a couple of blogs this week about my need for financial planning and my fear of wealth management. To repeat again, I don’t want to be treated as wealthy, but I do need help planning my saving and … Continue reading

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Can succession succeed? An everyday story of IFA folk.


  Yesterday I published an article about my fears of putting my money into the hands of a wealth manager. They can be summed up as Financial – the “money” bit of value for money , was skewed against me … Continue reading

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How do we manage the baby-boomers “huge” pensions?


The idea that £1m is a cap on huge pensions , beyond which we pay penal tax rates, is ludicrous. In answer to a question on this blog, I did some simple sums. Here first is the answer Nicholas, a … Continue reading

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The curse of the transfer value!


There is a curse to having money that was bequeathed us by the later Chancellor. It is called “freedom” and it applies to the rights that  baby boomers have in final salary schemes. It’s not just those in their fifties, many … Continue reading

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Is Farage the EU’s US Ambassador?


I am  cross with the post US election consensus in British politics. There seems to be a role for Britain “taming” the American right – that starts with neutering Donald Trump. This is total nonsense. Not only is it silly … Continue reading

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My hour with Pension Wise (5 myths dispelled)


Pension Wise is in the news today as it is likely to form part of a new (yet to be named) single advisory organisation covering debt and pensions.  At a time of uncertainty, I can add some certainty, the Pension … Continue reading

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