here’s what you’ve been saying
Mike Atjin on “Fund pays”. How p… Dave C on GDPR – a contrarian… Tony Margaritelli on GDPR – a contrarian… Phil Castle on GDPR – a contrarian… IFA on “Fund pays”. How p… Eugen Neagu on What’s the point of thes… John Mather on “Fund pays”. How p… Paraplanner on What’s the point of thes… Mark Meldon on “Fund pays”. How p… Phil Castle on “Fund pays”. How p… Colin Meech on Trade Unions; a necessary agen… Robert Davies on What’s the point of thes… Mark Meldon on If we can’t measure CETV… henry tapper on If we can’t measure CETV… Adrian Boulding on If we can’t measure CETV…
Tag Archives: Financial adviser
A note on transfer values and “reverse transfer risk”.
James Greer of Old Mutual is reminding financial advisors that there’s a risk of advising clients to stay put and not take a DB Transfer Value. Our data suggests that only about 15% of transfer values applied for are taken … Continue reading
Posted in pensions
Tagged adviser, CETV, defined benefit, Financial adviser, FTadviser, litigation, pensions, Susan Hill, Transfer
4 Comments
Can technology solve our savings problems?
We are putting too large a trust in technology to manage our pensions. The brave new world of Fintech may give us the pension dashboard, pot aggregation and robo-advised spending mechanisms, but are we ready for self-empowerment? In this article I … Continue reading
Posted in pensions
Tagged Andrew Young, Financial adviser, Fund Choice, Government Actuary, music, Robo-adviser, Technology, Technology solutiosn
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FINANCIAL UNDERSTANDING – what one insurer’s doing to improve things.
A lot of people think that big financial institutions prey upon the ignorance of the public. Many have, many have treated their customers as seals to be clubbed on the beach. Part of the problem for insurers was that they … Continue reading
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 advice, advisers, annuities, Bonds, Business, conduct risk, defined benefits, Financial adviser, financial objectives, Financial services, Guidance, makets, Pension new, pension playpen, pensions, Phil Young, Retirement, Risk, Steve Webb
11 Comments
Can advisers make money from auto-enrolment?
Almost every day I get a call from an advisory firm having trouble recovering costs from advising on auto-enrolment. The problems are less to do with pricing than getting paid. |I’ve been thinking about all the issues that we’ve had … Continue reading
Keeping the vultures at bay (pension liberation)
This message hit my inbox this morning from the indomitable Angie Brookes A new campaign has been launched to warn people of the dangers of pension liberation and the fraudsters who are peddling this junk. Pension Life – http://www.pension-life.com – … Continue reading
Posted in pensions, Politics
Tagged Financial adviser, IFA, liberation, Pension Liberation, Scam
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Replacing the financial salesman in the workplace.
Auto-enrolment killed this kind of adviser as video killed the radio star. Continue reading
Posted in advice gap, annuity, auto-enrolment, Payroll, pensions
Tagged Consultant, Employment, finance, Financial adviser, Financial services, GPP, Insurance, pension
13 Comments
Pension agnostic?
An “agnostic” is someone who knows he cannot know and so gives up trying to find out. You hear the phrase “pension agnostic” bandied around at the moment, mainly from the providers of ancillary services that help companies auto-enrol. If you key … Continue reading
Posted in actuaries, Consolation, corporate governance, dc pensions, defined aspiration, Fiduciary Management, Financial Education, First Actuarial, hargreaves lansdowne, pension playpen, pensions, Retirement
Tagged Business, Employment, Financial adviser, Financial services, Human Resources, National Employment Savings Trust, pension, Saving
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The solid value of insurance
“The people I talk to full into one of two categories, either you’ve built up some money and want to hang onto it, or you are looking to .” That was our opening gambit when we met with prospects. I … Continue reading
The RDR has scotch’d the snake not killed it!
the FSA has “scotched the snake not killed it”. Continue reading
