Tag Archives: advice

Planning Finances or Selling Insurance?

Posted on December 21, 2016 by henry tapper

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.

Posted on December 20, 2016 by henry tapper

  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 →

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

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

Posted on December 10, 2016 by henry tapper

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 →

Posted in CDC, pensions | Tagged , , , , , , , , | 6 Comments

The curse of the transfer value!

Posted on December 3, 2016 by henry tapper

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 →

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

Is Farage the EU’s US Ambassador?

Posted on November 13, 2016 by henry tapper

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 →

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

My hour with Pension Wise (5 myths dispelled)

Posted on October 10, 2016 by henry tapper

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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Tax-subsidies on retirement advice; a waste of public funds!

Posted on September 5, 2016 by henry tapper

The Government intends to extend tax breaks on pensions to allow those with pension pots to use them to pay for advice. The details are in this consultation document. The fundamental premise is that taking financial advice on retirement matters … Continue reading →

Posted in advice gap, consultant, dc pensions, de-risking, defined ambition, pensions | Tagged , , , , , , , , | 4 Comments

Property , liquidity and the merit of doing nothing

Posted on July 6, 2016 by henry tapper

News that Standard Life , M&G (the Pru) and Aviva have put up the shutters on their property funds is dominating the headlines. We are used to being able to move our money around the market with “impunity”. I put … Continue reading →

Posted in pensions | Tagged , , , , , , | 5 Comments

Has a robot changed advice for ever?

Posted on May 30, 2016 by henry tapper

Below are the questions I’ve been asked to address next month at the Pension and Benefit Conference. I hope that when robots go to grammar school, they’ll be able to do a little better framing the question! The framing of the … Continue reading →

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What price advice?

Posted on April 27, 2016 by henry tapper

The principal purpose of the Financial Advice Market Review carried out by the FCA and sponsored by Harriet Baldwin (Chief Economic Secretary to the Treasury) is to broaden the availability of advice to ordinary people. Critical to the purchasing of … Continue reading →

Posted in Payroll, pensions | Tagged , , , , | 2 Comments