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The Platforum: How do advisers view the platform market?

11 August 2014

The Platforum asks advisers how they feel towards those platforms they are, or are not, currently using.

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Will £10k annual allowance put the brakes on pension flexibility?

11 August 2014 | By Amanda Newman Smith

The Government is trying to balance flexibility and anti-abuse measures in its ambitious plans for pension reform.

Comments (1)

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Concern over ever-longer mortgage terms

25 July 2014 | By Devraj Ray

Borrowers could face difficulties maintaining repaymetns if their income falls during retirment

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Tony Wickenden: A matter of relevance

24 July 2014

A further look at how new planned IHT rules would apply to relevant property trusts.

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Chris Davies: The starting point for business planning

24 July 2014

There is further work to be done in understanding the regulatory high-level standards in developing a bona fide business plan.

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The Platforum: Parmenion and its ready-made CIPs

24 July 2014

Ready-made centralised investment propositions

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Asset allocation: Brewin Dolphin looks to sell down US and UK equities

17 July 2014 | By Sam Macdonald

Brewin Dolphin head of research Guy Foster says noises coming from the respective governments of rising inflation will force a sale of holdings

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Outsourcing: Which model works for your clients?

17 July 2014 | By Amanda Newman Smith

Centralised investment propositions must suit the client to satisfy the regulator.

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Financial planning is not just a marketing label

17 July 2014

Use the quieter summer months to determine which areas of your business might benefit from a modular charging structure

Comments (6)

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Using social media as a recruitment tool

17 July 2014

No longer just a youth fad or client lead generator, social media plartforms are used with increasing success for recruitment purposes - both when hiring or looking for a new position

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Sprint to the finish

17 July 2014 | By Amanda Newman Smith

Fastrak service gives advisers a single view of platform and back office systems.

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Tony Wickenden: When it is relevant to pay IHT

16 July 2014

Government proposals to simplify IHT charges on trusts have shown that reform is far from simple.

Comments (4)

Paul Resnick

Paul Resnik: Budget guidance puts advisers in role of question master

16 July 2014

What questions should advisers ask clients in the new world of flexible retirement?

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Phil Billingham: Making business plans in an uncertain world

15 July 2014

Business continuity plans address key risks and set out a protocol for dealing with unforeseen outcomes.

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Adam Samuel: The problem with high net worth clients

15 July 2014

Higher net worth clients may seem desirable but can pose all kinds of compliance and legal problems.

Comments (5)

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Lack of direction: Govt's guidance on long-term care advice falls short

11 July 2014 | By Steve Tolley

Advisers and providers believe the Government’s long-term care guidelines are too broad and don’t do enough to aid self-funders.

Comments (5)

Elephant

Are growing strategic bond funds losing their nimbleness?

10 July 2014 | By Jon Yarker

Are the popular and growing strategic bond funds in danger of becoming their own worst enemy?

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Meeting the FCA's rules on costs disclosure

6 July 2014

The FCA has indicated increasing intolerance for non-compliance, so we are likely to see regulatory action if there is no improvement.

Comments (1)

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What successful marketing looks like

6 July 2014

Many advisers get off to a great start with marketing but do not sustain the activity, either because other priorities come along or they feel their strategy is not working.

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Case study: Using top slicing to manage tax liability

3 July 2014

Which financial planning opportunities are available upon a client cashing in onshore bond savings to fund a dream property purchase? 

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Six steps of business innovation

3 July 2014

Ours is not to ask “Why innovate?” but rather to question what we need to change and how we do it. Or risk extinction…

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The Platforum: Novia shows platforms are not just a 'big company' game

3 July 2014

Launched in 2008, Novia has led the charge on clean share class conversion with many of its peers still continuing to pay rebates. 

Comments (3)

Auto-enrolment

Sean McSweeney: Employers face auto-enrolment compliance struggle

2 July 2014

With over 3.4 million UK workers now self-employed, many employers may overlook the inclusion of contractors within their auto-enrolment plans.

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Danby Bloch: Gifting to the next generation

26 June 2014

Making large gifts can lead to tax and other complications, so it is helpful to have an imaginative financial plan that overcomes many of the difficulties

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The secret to retaining low-value business

23 June 2014 | By Amanda Newman Smith

Plan Money director Peter Chadborn tells Amanda Newman Smith the rationale behind Plan Direct, his firm’s online non-advised service

Comments (1)

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Will new pension rules lead to less saving?

19 June 2014

Behavioural economics presents interesting and deep-rooted lessons for us to learn as we make sense of the brave new world in pensions, paved by George Osborne in March’s Budget

Comments (3)

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Have lenders defused the interest-only 'time bomb'?

19 June 2014 | By Devraj Ray

The Council of Mortgage Lenders says lenders are “meeting their commitment” to interest-only borrowers but brokers say they have barely scratched the surface

Comments (2)

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Richard Leeson: Lack of asset due diligence is prompting complaints

19 June 2014

Advisers sometimes overlook the appropriateness of underlying risk assets, resulting in complaints.

Comments (1)

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David Coombs: Why I won’t apologise for high turnover

19 June 2014 | By Gary Jackson

Rathbone head of multi-asset investments David Coombs says a lower-risk fund should have a higher turnover rate as it shifts to protect investors’ capital

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Platform Focus: Club-like Nucleus is real player

5 June 2014

The club-like atmosphere at the IFA-focused platform means its users are strong supporters of the business but it may struggle to remain competitive on fund charges due to its size

Comments (1)

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Foot Anstey: Non-compete clauses - the most powerful weapon for employers

27 May 2014

Non-competition clauses are typically kept short but a recent High Court decision upheld a 12 month non-competition covenant.

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Peter Hamilton: How should advisers correct mistakes?

12 May 2014

Financial services businesses can usually rely on written communications to correct a genuine error but firms should take care to ensure all communications are fair

Comments (3)

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Alan Hughes: The FCA pulls few punches on disclosure failings

28 April 2014

Firms which continue to fail to set out charges clearly can expect to get short shrift from the regulator.

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Is technology a business opportunity or a threat?

21 August 2014 | By Amanda Newman Smith

Multi-channeled marketing practices are the best way to engage different client segments.

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Why past performance numbers don’t add up

21 August 2014 | By Amanda Newman Smith

Negative numbers from the financial crisis are dropping out of investment funds’ five-year numbers but what does this mean for investors?

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Are CoCos a risk too far?

21 August 2014 | By Pamela Morris

Following FCA restrictions for individual investors, industry experts say they are also practising caution when investing in CoCos.

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Will reduced securitisation costs lead to a rush of new lenders?

21 August 2014 | By Devraj Ray

Proposed changes to the Solvency II directive would bring down the cost of securitising, which some say will lead to new lenders.

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How to get more of the right clients – and more income

21 August 2014

Slowly the wheel has turned, and many IFAs now seem ready to build a bit more scale on top of the solid foundations they have carefully built

The Technical Quiz: 21 August

21 August 2014

To help you to keep up with the fundamentals of tax, retirement and financial planning, try answering these questions 

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Fidelity Multi Asset keeps off property

12 August 2014 | By Michael Berry

Fund co-manager Eugene Philalithis says the team is looking at increasing exposure to floating-rate loans in Europe after US debt started to get more expensive.

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