The biggest issue confronting our industry is the gentle downward slope of a market in slow, long-term decline.
What if we were to take a different approach to reducing inequality and cut out the state?
How can providers design a default fund suitable for retirees given new pensions freedoms?
The FCA is threatening enforcement action if firms do not address concerns raised in recent RDR thematic reviews.
As a Bankers’ Oath is proposed, could it be time for an Advisers’ Prayer?
How do advisers tackle simplified advice from a legal standpoint?
Which share class should be used as the primary share class to calculate performance data in a post-RDR environment?
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.
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
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Editor's comments of the week
The plans for guidance bear all the hallmarks of a poorly designed system.
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
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.