Tag Archives: advisers

How do Customers benchmark what’s good about their DC pension?


For employer’s it’s all been about inter-operability I’m returning to a question that has bothered me since the inception of auto-enrolment over six years ago. To begin with, it was a question for employers and could largely be answered in … Continue reading

Posted in actuaries, advice gap, pensions | Tagged , , , , , , , | 3 Comments

Has Tata the courage of its conviction? (the workplace pension that dare not speak its name)


  It I’ve been in correspondence with a steelworker who wrote me this Over the past few months when my work colleagues at TATA have been talking about transferring out I suggested the TATA Aviva Plan to them as it … Continue reading

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Paul Lewis and cash – tactically astute – strategically moribund!


Jon Cudby is both brave or foolish to take on Paul Lewis over Paul’s remarks at  FT Adviser events over the past few weeks. As the next speaker up at two of them, I heard what Paul said, what the questions … Continue reading

Posted in pensions | Tagged , , , | 1 Comment

Bringing down the cost of advice #FAMR


The Financial Advice Market Review asks whether Britain can bridge the advice gap for those people who “want to work hard, do the right thing and get on in life but do not have significant wealth”, strip out the political … Continue reading

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Source Pensions – a tough lesson for auto-enrolment.


Over the weekend , the Telegraph published a story about Source Pensions . In the article it correctly claims that many pension savers have been automatically enrolled into illegal schemes. Source Pensions admit this is “regrettable”, I agree, You can read … Continue reading

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Is commission really dying?


There has been nothing that has so harmed the image of pensions over the past thirty years as the deception of commission. I don’t want to use phrases such as “lack of transparency” or words like “opacity” words like these … Continue reading

Posted in annuity, Payroll, pension playpen, pensions | Tagged , , , , , , , , , , , , , , | 1 Comment

Advice and education


  I chaired a meeting of independent financial advisers at RIBA yesterday. The best thing about the morning was the half hour spent over lunch in the wonderful Rennie Mackintosh exhibition within RIBA’s beautiful HQ in Great Portland Street, a … Continue reading

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A code of good practice for transfer advice?


  We are rubbish at financial risk and we know it. We take decisions on financial matters with as much confidence as betting on the horses and if our horse falls at the first we blame everyone but ourselves! Small wonder that … Continue reading

Posted in reward, risk | Tagged , , , , , , , , , , , , , , , , , , | 11 Comments

21st Century Retirement Income Update


  Well here I am in a Village hotel under the M1 seven miles south of Leeds to chair a day long conference on the opportunities for financial advisers from George Osborne’s Budget Changes (the photo is the lovely view … Continue reading

Posted in corporate governance, First Actuarial, NEST, pensions | Tagged , , , , , , , , , , , , , , , , | 1 Comment