Tag Archives: Guidance
The pensions industry is far from ready for 2015.
There has been an assumption that through Guidance, Advice and revitalised Product, Britain’s lucky retirees drawing benefits from 2015 will take advantage of the new pension freedoms and things will be alright. The sharp of sight will have noticed a … Continue reading
Posted in advice gap, Bankers, pension playpen, pensions
Tagged Banks, guarantees, Guidance
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The great pension bank robbery
I give 2 ½ cheers George’s pension package, the “½” being for the complex misrepresented “death-tax” changes which are regressive, complicated and could easily have been dealt with using inheritance tax legislation already in place. I give no cheers … Continue reading
Posted in advice gap, annuity, auto-enrolment, NEST, Payroll, pension playpen, pensions, Pensions Regulator
Tagged Bank, Business, corporate governance, corporate risk, dc pensions, Employment, Financial services, Financial Services Authority, George Osborne, Government, Guidance, National Employment Savings Trust, pension, robbery, spin
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Any questions on the Guidance Guarantee?
This blog is about a conversation I had with the Pension Advisory Service. Following it I promised to feed back questions to TPAS about the Guidance Guarantee. The blog contains questions I want asking , some background on TPAS and … Continue reading
Posted in advice gap, Guidance, happiness, Retirement
Tagged Business, Drawdown, Financial services, Guidance, Guidance Guarantee, long term care, Longevity, Michelle Crackneell, pension, Pension new, pension playpen, pensions, Risk, Tax, TPAS
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WONGA – The context of the decision
The decision of the FCA to enforce a section 166 order on Wonga demonstrates a new intent to get to grips with bad behaviour in the financial community which has got to be good news for us in pensions. … Continue reading
Sing if you’re “GLAD” to be grey!
If you’re old enough to recognise the reference to Tom Robinson’s 1977 gay anthem then you’re grey, bald or using restorer! Here’s Tom singing about queer bashing on “So it Goes” , complete with Japanese sub-titles (that’s the wonder of … Continue reading
Posted in accountants, advice gap, Guidance, pensions, Pensions Regulator, Treasury
Tagged Fun, Glad to be gay, Guarantee, Guidance, Tom Robinson
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What’s that coming over the hill…? NAPF CDC DEBATE #Fail
The NAPF CDC Debate The debate on how we organise our retirement incomes from our pension savings was not progressed at the NAPF’s CDC focussed pension connections meeting last night. A half filled room witnessing a debate between two “Pale … Continue reading
Posted in actuaries
Tagged Actuarial science, annuity, Business, CDC, corporate governance, corporate risk, dc pensions, Defined benefit pension plan, DWP, Employment, fail, Financial services, Guidance, Hamish Wilson, IGC, John Ralfe, MAS, NAPF, National Employment Savings Trust, NEST, pension, Pension new, pension playpen, pensions, Retirement, Steve Webb, TPAS, trustee
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Why IFA’s have nothing to fear and everything to gain!
This morning I am chairing Money Marketing’s AE Invitational in Swindon. These will be my opening comments to the audience of invited IFAs who I’m looking forward to spending the morning with. ” When I started selling insurance, … Continue reading
Posted in advice gap, auto-enrolment, pensions, Pensions Regulator, Politics
Tagged AE Invitational, auto enrolment, Business, corporate governance, dc pensions, De Vere Hotels, DWP, Employment, Friendly Pensions, Guidance, IFA, money marketing, pension, Pension new, pensions, People's Pension, Retirement, Sage, Standar Life, Steve Webb, Swindon
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Safe, stable, regular and for life
I had lunch with Mr Sipp yesterday. Mr Sipp is John Moret and he has done more to pioneer the new pension freedoms than anyone else. I think the dodgy curry and glass of house white I bought him scant … Continue reading
Posted in annuity
Tagged annuity, Drawdown, fleixible drawdown, Flumps, Guidance, Guidance Framework, Income, Old age
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So how am I preparing my finances for retirement?
The question, I got asked the other days was what I was doing for myself – rather than what I’m telling others to do – as I prepare for retirement. In summary-I am adopting a wait and see strategy. … Continue reading
Posted in pension playpen, pensions
Tagged advice, annuity, CDC, Guidance, lady lucy, Lifestyle, NEST, pensions, Retirement, social media
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From Conference to Premier – the rise of TPAS.
Visit the rickety offices of the Pension Advisory Service (TPAS) in Victoria and you’re in for a big surprise. Not for TPAS the City style of the Treasury funded Money Advice Service. This is “Macclesfield not Manchester”. While my pre-match Bovril turned out … Continue reading
Posted in pensions
Tagged advice, Business, conference.premierhsip, Cracknell, dc pensions, DWP, Employment, Government, Guidance, pension, Pension new, Retirement, TPAS
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