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Phil Young: Crunching the numbers on adviser profits

17 April 2014

Higher revenues are tied to a percentage of assets charging structure.

Comments (1)


Alan Lakey: The fatal flaws of pandering to consumers

17 April 2014

Regulators and politicians trying to play to consumer interests just end up making access to financial services worse

Comments (9)


David White: Pension charge cap does nothing to boost employer engagement

16 April 2014

The charge cap is good news for pension savers but a failure to get employers to engage with auto-enrolment is putting the whole project at risk.


Simon Willoughby: What is behind the boom in platform offshore bond sales?

16 April 2014

Last year saw offshore bonds written on platforms double and they are likely to account for 50% of sales by the end of 2015.


Linda Smith: Understanding the FCA's independence definition

15 April 2014

There is still confusion over what is and what is not independent.

Comments (2)


Martin Werth: Budget is shot in the arm for protection

15 April 2014

The Budget should encourage a much more favourable view of long-term saving and by blending protection products with investment we have a chance to offer real innovation that will benefit consumers.


Billy Burrows: What will good advice look like post-Budget?

15 April 2014

The challenge is finding a way of explaining the complex options for many people who still want an income in retirement.


Dennis Hall: Why we've changed our model to target £1m+ clients

14 April 2014

After looking at our business numbers, we realised something has to change.

Comments (16)


IMA: Axing double stamp duty is long overdue

14 April 2014

The abolition of double stamp duty for UK-domiciled funds is long overdue and will help level the playing field.


How state pension top-ups compare with buying an annuity

11 April 2014

New Class 3A National Insurance contributions appear to be odds with Government’s annuities claims.


Should pension providers stop talking to their customers?

11 April 2014 | By Tom Selby

It would be unreasonable and counter-productive to prevent pension companies from speaking to savers.

Comments (2)

Nick Bamford MM 700

Nick Bamford: Why aren't advisers explaining their charges properly?

10 April 2014

If an adviser cannot answer client questions on costs, perhaps they are in the wrong job.

Comments (20)


Tim May: Priips shows the problem with EU rule making

10 April 2014

Too much of this was agreed right at the finish, when the process is at its most opaque.


Tony Mudd: Take care advising clients who want full pension withdrawal

10 April 2014

Following the Budget pension changes, advisers need to be careful that clients that opt to take their entire pension fund in cash cannot come back in later years to complain they were poorly advised.

Comments (1)


Keith Richards: What Budget guidance could look like

9 April 2014

A small percentage of the FCA’s annual fines could pay for dedicated, specialist and professional advice for everyone at the point of retirement

Comments (4)


Past liabilities cast long shadow over networks

7 April 2014 | By Michael Glenister

Given the extent of network liabilities, it is surprising Tenet’s long-stop petition has so far failed to reach 10,000 signatures.

Comments (5)

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MM Leader


MM leader: Osborne's liberation and the empowerment of savers

27 March 2014

Chancellor George Osborne’s proposed pension reforms look like heralding a transformation of the savings landscape

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Nic Cicutti


Nic Cicutti: Advisers seem unable to provide basic info on costs

17 April 2014

Advisers should be aspiring to deliver the best possible clarity on fees

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Chris Gilchrist


Chris Gilchrist: Zombies win, clients and advisers lose

11 April 2014

The furore over the FCA review of zombie fund charges is a red herring, the real issues is the appalling standards of service.

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Alan Lakey


Alan Lakey: Who's regulating the regulator?

28 March 2014

A new regulator’s code of conduct is due to be launched next month but don’t expect any change of behaviour from the FCA

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Ian Mckenna


Ian McKenna: Advisers are not immune from the rise of online

17 April 2014

Advisers need to ensure they are meeting their clients’ demands when it comes to communicating and interacting and increasingly this means using the latest technology.

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Rob Reid


Robert Reid: A month of reckoning for pension providers

4 April 2014

Budget pension changes, charge cap and the closed book review all add up to a month to forget for providers.

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Brian Tora


Brian Tora: The Budget should provide a boost for fund managers

16 April 2014

Not so long ago pundits were predicting the end of the cult of equities as baby-boomers moved into retirement but the Budget pensions changes mean many people will remain invested into retirement.

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Tony Wickenden

Tony Wickenden: Looking at the scope of Osborne's 'right to advice' plan

17 April 2014

The Budget documents set out the Treasury’s thinking behind its plans to provide everyone with free, face-to-face and impartial guidance at the point of retirement

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