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The Advisers' Prayer

29 July 2014

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

Comments (2)

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Scott Gallacher: Back-office to the future

29 July 2014

While advising clients to invest for their own long-term future, apply the same rule and ensure that you invest in your own long term with a decent back-office system.

Comments (2)

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Peter Hamilton: The blurred line between advice and information

28 July 2014

How do advisers tackle simplified advice from a legal standpoint? 

Comments (10)

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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.

Comments (2)

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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?

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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)

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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)

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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

Comments (8)

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Martin Werth: The case against higher protection commission

24 July 2014

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

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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)

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Nic Cicutti: Wheatley's wages are not the real scandal

24 July 2014

One of the striking things about many regulatory discussions over the years has been their utter predictability, usually on the IFA side

Comments (14)

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MM leader: Will advisers pay the high price of guidance?

24 July 2014

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.

Comments (3)

Mel Kenny

Mel Kenny: Don't give yourself away for free

22 July 2014

Defining whether you want to operate as a specialist or generalist is becoming a core requirement for advisers in establishing their proposition.

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)

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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)

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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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Greg Kingston: The risks of holding commercial property in a Sipp

18 July 2014

It is disheartening that some Sipp providers have lobbied for commercial property to be a non-standard asset under forthcoming capital adequacy rules.

Comments (3)

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FCA must give simplified advice solutions, not problems

18 July 2014 | By Tessa Norman

More answers needed before firms can develop simplified advice models with confidence. 

Comments (2)

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Chris Gilchrist: The terror of pensions

18 July 2014

As far as delivering good investment outcomes is concerned, the freedom of the new pension rules may present a serious threat.

Comments (1)

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Kim North: FSCS needs to work harder to reduce costs

18 July 2014

Why is it so hard for the FSCS to ask the consumer for their sort code and account number and simply transfer the cash?

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MM leader: Tackling the tough questions on Scottish independence

17 July 2014

In just two months’ time, the future of Scotland and the UK could be irrevocably changed.

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Nic Cicutti: Advisers are like stroppy kids with simplified advice

17 July 2014

Anyone who is or has ever been a parent will know what it is like to inspire a young child to engage in worthwhile activities.

Comments (21)

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Ian Naismith: Making sense of the Pension Schemes Bill

16 July 2014

Will the Pensions Schemes Bill lead to a step-change in retirement provision –  or is it only words?

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Tony Wickenden: When it is relevant to pay IHT

16 July 2014

Government proposals to simplify IHT charges on trusts have shown that reform is far from simple.

Comments (4)

Paul Resnick

Paul Resnik: Budget guidance puts advisers in role of question master

16 July 2014

What questions should advisers ask clients in the new world of flexible retirement?

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Phil Billingham: Making business plans in an uncertain world

15 July 2014

Business continuity plans address key risks and set out a protocol for dealing with unforeseen outcomes.

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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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Dennis Hall: The value of outcomes over the cost of advice

15 July 2014

Focusing on the cost of advice can detract from the outcome for clients.

Comments (2)

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Ian McKenna: Forget one-off sessions - offer Budget guidance online

14 July 2014

Online services are taking a longer-term approach to retirement planning that could help consumers achieve better outcomes.

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Sue Whitbread: The case for honing your skills in cashflow modelling

14 July 2014

Advisers have typically focused on building technical knowledge but are financial planning skills becoming the key differentiator?

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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.

Comments (15)

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Robert Reid: Get ready for the great trail robbery

11 July 2014

Prepare for providers stop paying trail and pocket it to prop up their frail business models. 

Comments (3)

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Nic Cicutti: Will compliance guarantees lead to more senior arrests?

11 July 2014

Is the FCA’s mounting drive to seek personal undertakings from senior industry executives a dangerous or potentially improper escalation of regulatory intervention?

Comments (5)

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MM leader: Arch cru is a millstone around advisers' necks

10 July 2014

There are some investment collapses of recent years that refuse to go away.

Comments (4)

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Chris Davies: In support of Budget guidance

9 July 2014

Here we go again with pension simplification round two.

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Tom Kean: Collective DC is yet another blow to simplification

7 July 2014

With new initiatives continually coming to market, it makes it even harder for the average consumer to understand the profession’s nuances.  

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Chris Hannant: What progress on the long-stop?

7 July 2014

Apfa is making its case to the FCA regarding the long-stop over liability for advice, calling it a “golden chance for progress”

Comments (13)

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Chris Gilchrist: Classic failure of investment trusts

4 July 2014

Many naively suggested investment trust sales would surge post-RDR in a commission-free world, now they are on a level playing field with Oeics.

Comments (1)

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