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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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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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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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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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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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Brokers attack armed forces Help to Buy rules

26 June 2014 | By Devraj Ray

Armed forces personnel using the Forces Help to Buy scheme are prevented from taking up the Help to Buy mortgage guarantee as it violates EU regulations

Comments (1)

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Compliance tip of the week: Keep within the financial promotions rules

12 June 2014

There are two financial promotions rules that are often broken

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Adam Samuel: Advisers do not benefit from their day in court

9 June 2014

Experience has shown that resorting to the courts to try and overturn FCA or FOS decisions is not a productive option for financial advisers

Comments (1)

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Better Business: Problems with restricted and independent definitions

29 May 2014

The current definitions of independent and restricted advice do no favours for advisers or clients

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Better Business: New Priips regulation clarifies responsibilities for advisers

22 May 2014

UK advisers already meet most of the standards required under the finalised Priips directive but we need to make sure the new rules don’t lead to more paperwork.

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Compliance Tip of the Week: FCA's outlook for 2014

1 May 2014

The FCA recently published its annual risk outlook. So what’s new? 

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Institutional platforms seek FCA rebate rules work-around

24 April 2014 | By Sam Macdonald

Firms think they fall outside of platform definitions and can therefore retain fund manager payments.

Comments (1)

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Will the MMR deliver on its objectives?

24 April 2014 | By Devraj Ray

On the eve of MMR implementation, Money Marketing talks to brokers about how the review has been handled, and how it will impact brokers and consumers.

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Better Business: Proper disclosure of adviser charging

24 April 2014

Following the FCA’s recent review of adviser charging, it is important to ensure clients are given a clear breakdown of advice costs as soon as possible.

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Compliance tip of the week: Research your products

16 April 2014

Research products and their associated risks. Do not allow product providers to sell to you. Many of the major misselling incidents of recent years had at their heart a very successful salesman flogging his product to IFAs. All too often, the adviser had no idea what was in the product or the risks to which anyone holding it was exposed.

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Compliance tip of the week: Needs and wishes are not the same

3 April 2014

Advisers have to be prepared to advise clients to follow a course of action they do not want to

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One year on from the RDR, demand for investment advice is strong

27 March 2014

The RDR has had relatively little impact on the demand for advice and despite the greater regulatory burden, advisers look set to benefit from more sustainable income

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Why are lenders so reluctant to lend to older people?

13 March 2014 | By Devraj Ray

Mortgage brokers warn about the “failings of the mortgage market” in providing solutions for borrowers in later life

Comments (3)

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Protecting a business's intellectual property

6 March 2014

Ensuring employees are clear where and when intellectual property rights apply can help prevent costly litigation when advisers leave a firm

Comments (1)

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Do we need more curbs on fund manager pay?

6 March 2014 | By Pamela Morris

Experts say new European rules on fund manager pay do little to add to current UK regulation

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Losing interest

6 March 2014 | By Devraj Ray

Brokers say the regulatory clampdown on interest-only mortgages has gone too far

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Can a local council take on estate agents?

27 February 2014 | By Devraj Ray

Brokers questioned whether a local authority has the necessary clout to oversee the relationship between estate agents and in-house brokers.

Comments (3)

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Simplicity is the key for successful adviser businesses

23 January 2014

One year on from the RDR, successful adviser firms can be seen to share many characteristics, says Heartwood Investment Management’s Mark Rockliffe.

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2014 fireworks

What advisers want in 2014

31 December 2013 | By Amanda Newman Smith

Advisers reveal what’s on their wish lists for financial services for the new year.

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A year in regulation: RDR, record fines and a watchdog that bites

24 December 2013 | By Tessa Norman

A string of record fines, the introduction of the RDR and the replacement of the FSA with the FCA have made for an eventful 12 months

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The locust beaters

21 November 2013 | By Devraj Ray

Brokers says the power to fine rogue claim management firms is long overdue.

Comments (1)

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Avoiding a UK Fannie Mae

14 November 2013 | By Devraj Ray

CML chairman warns government not to get “addicted” to the success of Help to Buy and to get an exit strategy in place

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Adviser charging: The story so far

7 November 2013

Advisers are basing charges on market trends rather than client research and cost of delivery

Comments (2)

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Lenders caught between capital rules and lending

31 October 2013 | By Devraj Ray

Increases to capital requirements could see banks pull back from high LTV lending.

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Broker threat from unregulated packagers

10 October 2013 | By Devraj Ray

Industry backs call for clampdown on unregulated packagers advising clients

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Mortgage fees are not so scandalous, say brokers

3 October 2013 | By Devraj Ray

Brokers say there is no basis to Chris Leslie’s claims that mortgage fees are the “next big scandal”.

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Linda Smith: Making referrals and retaining independent status

5 September 2013

APFA’s senior technical adviser looks at when it is appropriate for independent firms to refer clients to external firms for advice.

Is the FCA doing enough to tackle unauthorised firms?

22 August 2013 | By Natalie Holt

Money Marketing research finds many firms which the regulator has issued warnings about still operate live websites

Comments (2)

Clarity beyond pension simplification

8 August 2013

Pension simplification started in December 2002 with the publication of a green paper from the Inland Revenue, entitled Simplifying the Taxation of Pensions – Increasing Choice and Flexibility for All. The plans became reality on April 6, 2006 and the rest, as they say, is history.

No time for delay on auto-enrolment

8 August 2013

Good things don’t come to those who wait.

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