Tag Archives: CETV

A day with Dalriada


  Dalriada are a firm of pension trustees who divide their business into “Regular” and “Irregular” business. Brian Spence who runs the business was prepared to talk to me about “Irregular business”. Members of, and employers participating in, the NOW … Continue reading

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The nastiest, hardest problem in finance


  For all the emotion surrounding transfer values, it’s worth taking a step back and ask the simple question “should I stay or should I go”. In July, John Ralfe wrote what (for me) is still the best summary of the situation … Continue reading

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Why are workplace pensions excluded from transfer advice?


NEST gets us thinking Gavin Perera-Betts work for NEST, he’s the chief customer officer – the person charged with helping people get the most out of their savings and he’s the author of NEST’s recent response  to the Government’s Select Committee … Continue reading

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“Transparency” needs to do some work.


I worry the work on transparency is hypothetical – that it lacks practical application – that it has no immediate value to the consumer. But then I think of the conversations I’ve been having with consumers – these past four … Continue reading

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Cost and value of advice in Port Talbot


Al Rush and I drove down to Wales yesterday and spent a day in the Taibach Rugby club at the invitation of the moderators of the BSPS Facebook groups. Good chatting with steelworkers in Taibach. Met up with a schoolmate … Continue reading

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“A decision to take a transfer cannot be reversed and should not be rushed”


This blog is mainly written for deferred members of the British Steel Pension Scheme, but many other people may find it interesting. There’s no doubt that what is going on in Tata-land, will go on with other employers who feel … Continue reading

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There are no rats and the ship is not sinking (a message for BSPS members)


Thanks to the moderators of the BSPS Facebook groups for access and to the poll’s author for permission to publish. This is a very worrying post from a BSPS member. The poll is recent and is the only data I … Continue reading

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Time-bound decisions; the tough choices facing BSPS members


Supporting the Steel Workers in their decision making Over the weekend I was asked to join two important Facebook Groups, one is for those still working at Tata and the other for former employees, what links them is that both … Continue reading

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So you want to pay your own pension costs- do you?


A new twist to the Pension Transfer Debate has been introduced by Willis Towers Watson (WTW) at a seminar last Tuesday at their London offices. At the event, consultants reported a ripple effect caused by the surge in members transferring out. WTW … Continue reading

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Why some transfer values may be just TOO HIGH!


Earlier this year I wrote a blog “why some transfers are ridiculously high” which set out to explain how DB transfer values are calculated and why they are at present at historical highs. My friend and colleague Alan Smith presented the … Continue reading

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