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Tag Archives: IFA
Are you and your savings “retirement ready”?
I’m getting fit, which is a long way off saying “I’m fit” in any sense of the words. But just getting rid of the first few pounds has put me in a much better frame of mind. Many of us … Continue reading
Posted in advice gap, age wage, pensions
Tagged advice, AgeWage, IFA, NEST, pensions, retrirement ready, workplace pension
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Do pension customers get value for money from financial advisers?
This is the last of eight blogs I’ve written in response to the Work and Pensions Select Committee’s inquiry into Pension Transparency. Today’s exam question is “Do pension customers get value for money from financial advisers?” and the quick answer … Continue reading
Posted in pensions, WPC
Tagged advice, Chive, Financial adviser, HL, IFA, internet, pensions, RDR, SJP, Technology
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Lessons from Port Talbot – webinar – 26th June
Transfer values from DB schemes tripled in 2017 to £34.2bn. Transfer values are fundamentally changing the cashflow profile of many defined benefit schemes and bringing new challenges for trustees and employers. Last year, the highest profile transfer value activity was … Continue reading
Posted in pensions
Tagged Active Wealth, BSPS, CETV, Dodgy, IFA, pensions, Port Talbot
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The trees are great – but the wood’s the thing!
This week has seen ,present at the Institute and Faculty of Actuaries pension conference on “mapping the Pension Genome”, our Pension PlayPen lunch on “defaults to spend our DC saving”, Reward Strategy conference on “Royal Mail’s journey to CDC” … Continue reading
Posted in pension playpen, pensions
Tagged auto enrolment, CDC, dc, IFA, money marketing, pension playpen, pensions, poetry
2 Comments
IFAs and the defined benefit promise
This article explores the relationship between IFAs and defined” benefit schemes, one that has historically been uneasy. It argues that the polarisation of opinion between IFAs who see pensions as “pots” of wealth, and those who regard them as a … Continue reading
My call for an end to contingent fees on DB pension transfers
Calls to keep contingent pricing fall on my deaf ears. I champion the pension rights of those with low incomes and I champion the rights of those likely to get lower pensions (women). I don’t champion the right of … Continue reading
Posted in advice gap, pensions
Tagged advice, CETV, DB transfers, Debbie Abrahams, Frank Field, Guy Opperman, IFA, Jack Dromey, pensions, tax free cash
3 Comments
Advisers should welcome a revival of the collective pension scheme
Financial advisers have never had it so good. The collapse of the DB market has led to the outflow of tens of billions of pounds into the wealth market, the emergence of fund platforms has allowed them to demonstrate a … Continue reading
Posted in Blogging, CDC, pensions
Tagged CDC, IFA, pensions, Royal Mail, wealth management, workplace Pensions
4 Comments
HMRC and FCA complicit in the democratisation of villainy.
If the FCA want to get to grips with the problem of contingent (conditional) charging, they had better have a look at the taxation of advice and make changes in the Finance Act 2018 to the way we tax advice. First … Continue reading
Posted in accountants, advice gap, dc pensions, pensions
Tagged advice, democatisation, FCA, HM Treasury, HMRC, IFA, pensions, transfers, villainy
15 Comments
Target pensions – freedom from freedoms
Last week I ran a couple of meetings of the Friends of CDC, a loose affiliation of pension people with a view that CDC can offer a solution to some of the intractable problems people face in retirement. Let’s start … Continue reading
Commission – the charge that dare not speak its name.
I feel like someone walking to a destination with a blindfold on, I am getting information from my phone but it is intermittent and there are many obstacles that I stumble over as I walk along. Thankfully, there are people … Continue reading
Posted in BSPS, dc pensions, Financial Conduct Authority, pensions
Tagged BBC, Commission, FCA, IFA, pensions, Transparency
10 Comments
