I am vehemently opposed to Chancellor George Osborne’s free pension guidance. It isn’t free to me, and by extension it isn’t free to my clients
People often become rich by not taking prisoners. They do, however, make hostages of advisers who are foolish or greedy enough to let them
Underwriting and the current pay structure are holding back protection sales.
While the entire industry is busy welcoming George Osborne’s pensions freedom with open arms, is anyone considering the potential £15bn hole it will leave in public finances?
We must never lose sight of the impact pension scams have on victims and their families.
The FCA’s rules themselves are complex, the ordinary law also applies to what is going on and the facts of each case will inevitably be different. So how do advisers tackle simplified advice from a legal standpoint?
With one of the worst protection gaps in Europe, what will it take to address the issue?
If the Chancellor wants the political cover guidance could bring it will have to be as bold as the pension freedom agenda.
With a lack of detail around the complaints long-stop and a potential Cobs breach not yet ascertained, advisers would be wise to act in accordance with there being no shelf life to their liability.
Zurich is the newest of the life insurer-owned platforms to enter the already crowded market. It now faces an opportunity to take advantage of some of its USPs
It is disheartening that some Sipp providers have lobbied for commercial property to be a non-standard asset under forthcoming capital adequacy rules.
More answers needed before firms can develop simplified advice models with confidence.
Why is it so hard for the FSCS to ask the consumer for their sort code and account number and simply transfer the cash?
Will the Pensions Schemes Bill lead to a step-change in retirement provision – or is it only words?
Government proposals to simplify IHT charges on trusts have shown that reform is far from simple.
What questions should advisers ask clients in the new world of flexible retirement?
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Editor's comments of the week
The literature from the Treasury and the FCA this week did its best to reassure the financial services industry that guidance can be delivered successfully.
One of the striking things about many regulatory discussions over the years has been their utter predictability, usually on the IFA side
In this dog-eat-dog world yesterday’s partners are today’s sworn enemies.
It should not be acceptable that UK consumers are prevented from receiving the advice they need at a price they can afford.
When I hear the words “execution-only”, it conjures up the image of the firing squad where the soon-to-be victim is given one last cigarette