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Tom Baigrie: The elephant in the protection room

1 August 2014

The biggest issue confronting our industry is the gentle downward slope of a market in slow, long-term decline.

Comments (1)


Does tax need to be quite so taxing?

31 July 2014

What if we were to take a different approach to reducing inequality and cut out the state?


Providers face challenge in post-Budget default options

30 July 2014 | By Michael Glenister

How can providers design a default fund suitable for retirees given new pensions freedoms?


Richard Leeson: Advisers must heed FCA's warnings on ongoing service

30 July 2014

The FCA is threatening enforcement action if firms do not address concerns raised in recent RDR thematic reviews.


The Advisers' Prayer

29 July 2014

As a Bankers’ Oath is proposed, could it be time for an Advisers’ Prayer?

Comments (2)


Peter Hamilton: The blurred line between advice and information

28 July 2014

How do advisers tackle simplified advice from a legal standpoint? 

Comments (10)


IMA: It’s all about performance (data)

28 July 2014

Which share class should be used as the primary share class to calculate performance data in a post-RDR environment?


Dennis Hall: Advisers paying for guidance is highway robbery

25 July 2014

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

Comments (7)


Neil Liversidge: Taken hostage in the name of advice

25 July 2014

People often become rich by not taking prisoners. They do, however, make hostages of advisers who are foolish or greedy enough to let them

Comments (3)


Martin Werth: The case against higher protection commission

24 July 2014

Underwriting and the current pay structure are holding back protection sales.


John Greenwood: Prepare for wholesale pensions tax relief reform

24 July 2014

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? 

Comments (2)

Andrew Warwick-Thompson TPR

Andrew Warwick-Thompson: The devastating consequences of pension scams

24 July 2014

We must never lose sight of the impact pension scams have on victims and their families.

Comments (1)

Keith Richards

Keith Richards: Govt must focus on addressing the protection gap

21 July 2014

With one of the worst protection gaps in Europe, what will it take to address the issue? 

Comments (6)


Osborne must be bold on pensions guidance

18 July 2014 | By Steve Tolley

If the Chancellor wants the political cover guidance could bring it will have to be as bold as the pension freedom agenda.

Claire Williams

Claire Williams: Why advisers shouldn't put long-stops in contracts

18 July 2014

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.

Comments (3)


The Platforum on Zurich: Well-powered model fit for fine-tuning

18 July 2014

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 

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MM Leader


MM leader: Time’s up on FCA long-stop excuses

31 July 2014 | By Natalie Holt

The regulator’s attitude to the lack of a long-stop shows it is just the same as the FSA.

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Nic Cicutti


Nic Cicutti: Budget guidance is disaster waiting to happen

31 July 2014

The plans for guidance bear all the hallmarks of a poorly designed system.

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Chris Gilchrist


Chris Gilchrist: 'Back to normal?' I don't buy it

1 August 2014

Old models of cause and correlation are not working in delivering accurate predictions

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Alan Lakey


Alan Lakey: Providers are leaving advisers high and dry

11 July 2014

In this dog-eat-dog world yesterday’s partners are today’s sworn enemies.

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Ian Mckenna


Ian McKenna: FOS holds back the UK on digital advice

28 July 2014

It should not be acceptable that UK consumers are prevented from receiving the advice they need at a price they can afford.

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Rob Reid


Robert Reid: The execution-only label isn't working

25 July 2014

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

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Brian Tora


Tora Investment view

3 July 2014

With strong arguments for both tactical and strategic investment strategies, the climate seems to be improving in private equity, for one, with a much freer market environment. Worth looking at the sector for some clients, but only those who understand the risks.

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Tony Wickenden


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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