Tag Archives: advice

Unbiased?

Posted on March 25, 2016 by henry tapper

We all know that when we go on Google or Twitter, certain search results or tweets are promoted. We know that they are at the top of the list because they are market as promoted. The products that lie behind … Continue reading →

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So what would a pension exit charge cap look like?

Posted on January 24, 2016 by henry tapper

Yesterday I spoke on Money Box in support of a cap on exit fee penalties from legacy personal pensions. Claire Trott spoke well in opposition and I’m quite sure that the ABI will take comfort in her argument that a … Continue reading →

Posted in actuaries, dc pensions, Pension Freedoms, pensions, Pensions Regulator | Tagged , , , , , , , , , | 2 Comments

Would you buy a recovering alcoholic a large vodka?

Posted on January 15, 2016 by henry tapper

Offering IFAs the prospect of commission is akin to running a meeting of alcoholics anonymous in a pub. Continue reading →

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Pensions need to be sold for the sausage not the sizzle.

Posted on January 12, 2016 by henry tapper

A great observation from Steve Groves, CEO of partnership this morning. @henryhtapper @tcfDAN @clivewaller healthy people were buying to early. Lie expectancy increased 10yrs and annuitisation age didn't move… — Steve Groves (@Sjg3G) January 12, 2016 By “buying” Steve means … Continue reading →

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“Not complaining, just saying” – DWP + HMT screw-ups + how to deal with ’em

Posted on December 11, 2015 by henry tapper

Yesterday saw two issues re-emerge from Government announcements that were inaccurate and  confusing. Both show that even with their army of lawyers, the Treasury and DWP still make fundamental errors that were they to be made from the private sector … Continue reading →

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The Nigella Lawson of workplace pensions

Posted on December 9, 2015 by henry tapper

I met Hayley Jaggers at a recent Capacity Crunch Conference and linked in with her. We agreed to meet at our Tonbridge offices and we had a business meeting yesterday. She has re-defined my expectation of what can be achieved … Continue reading →

Posted in auto-enrolment, pension playpen, pensions | Tagged , , , , , , , , , , , , , , , | 2 Comments

NEST is not a financial soup-kitchen.

Posted on December 1, 2015 by henry tapper

For some time , I and others advising on workplace pensions have been calling for NEST to make a clear statement on charging employers for NEST support. Now we have it . In case you can’t press the link , here … Continue reading →

Posted in auto-enrolment, DWP, governance, NEST, Payroll, pension playpen, pensions | Tagged , , , , , , , , , , , , , , , , , , | Leave a comment

Another consultation on investments

Posted on November 19, 2015 by henry tapper

  The reason we are having another consultation on investments is simple. It’s because the others haven’t worked. Will this one work? Only if it has genuine teeth. There are issues – unresolved issues – from previous consultations. Evidence has … Continue reading →

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TPR gets a kicking from Altmann on “Workplace Pension Choice”.

Posted on November 17, 2015 by henry tapper

In a spectacular piece of reporting, the FT’s Josephine Cumbo has exposed a structural weakness at the centre of Auto-Enrolment;-  the failure of the Pension Regulator, the advisory trade bodies and the FCA to provide proper guidance to our 1.8m employers … Continue reading →

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Why financial education can only go so far….

Posted on November 8, 2015 by henry tapper

You know when you have a guilty thought and you can’t share it with anyone. And then, quite by chance, someone repeats that thought back at you – and you feel relieved, ashamed and a little bit angry all at … Continue reading →

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