Tag Archives: annuity

Financial advisors need better retirement products

Posted on August 17, 2015 by henry tapper

Better products that deliver what they say I had the pleasure of Chris Radford’s company over the weekend. Chris is a consultant to pension providers , a regular at our Pension lunches and someone who thinks about the way ordinary people … Continue reading →

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Why I think we’ll avoid a capacity crunch.

Posted on August 8, 2015 by henry tapper

The predictions are dire – mass non-compliance – auto-enrolment brought into disrepute and pensions marched out of the last chance saloon and replaced by ISAs. It is as if some of my colleagues actually want this to happen- not that … Continue reading →

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Bringing down the cost of advice #FAMR

Posted on August 5, 2015 by henry tapper

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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Ten things everyone should know about workplace pensions

Posted on August 3, 2015 by henry tapper

              Pensions are difficult; how can buyers choose one from another? Look from the list of categories at the attributes that IFAs consider important when deciding on a pension? Confused? …… I was! The traditional … Continue reading →

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What employers can do to get their members better pensions

Posted on July 31, 2015 by henry tapper

Yesterday I had a chance to talk with a large employer about what they can do to help improve the outcomes of their DC plans. Influencing employees to get the best out of their pension savings means getting them to … Continue reading →

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Why the FCA should take a leaf out of tPR’s book.

Posted on July 30, 2015 by henry tapper

  The Pensions Regulator have been re-born over the last five years and become focussed on helping advisers, trustees and employees solve pension problems. They have started treating us as  customers and not potential criminals. Sadly, this attitudinal shift doesn’t seem … Continue reading →

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“We all defer together?” – Guest Blog from Ralph Frank

Posted on July 29, 2015 by henry tapper

The recently announced consultation on pensions tax relief has stirred up thought and debate on the issue of incentivising long-term saving.  There are theoretical, commercial and practical aspects to be addressed in this process of defining an approach to pensions … Continue reading →

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The transfer mess gets worse…

Posted on July 28, 2015 by henry tapper

It’s been some weeks since I wrote about transfers. To recap, I have been predicting a seizure in the transfer market , resulting from high demand, low-advisory capacity and pipes blocked with regulatory effluent. So it doesn’t come as a … Continue reading →

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If that’s all there is my friends – well let’s keep working!

Posted on July 23, 2015 by henry tapper

The numbers are out , extracted by the tenacious Josephine Cumbo @henryhtapper @citizensadvice @tpas Only 18,000 TPAS/CAB appointments. 925000 people checked out Pension Wise online. — Josephine Cumbo (@JosephineCumbo) July 22, 2015 Jo and I probably share differing levels of … Continue reading →

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Beware “black-box” auto-enrolment “solutions”.

Posted on July 20, 2015 by henry tapper

Katie Morley of the de Daily Telegraph has written an important article claiming that the occupational schemes set up to relieve the needy of their pension savings before retirement are now turning their sights on auto-enrolment. This may or may not … Continue reading →

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