Why do different rules apply to adjudicator and ombudsman decisions?
My golden rule is that I deal only with clients I like.
No wonder some members are asking what’s the point of staying in the trade body.
Recorded meetings are just the tip of the iceberg in terms of what actually goes on between the Government, the regulator, and firms.
Five years ago no one imagined the combination of events which have led to the protection market being in the state it is now.
Anthony Bolton handing the reins to Dale Nicholls in April may signal a turn in fortune for Fidelity China Special Sits.
What does the latest EU review tell us about retail financial services?
Alan is well-known for his dislike of the FOS, which he repeats at regular intervals.
Proposed changes by HMRC to the tax disclosure regime are a cause for concern.
L&G’s decision to quit the ABI immediately led to speculation that other major insurers could follow suit.
The FCA is again pushing the importance of adequate risk-profiling.
The recovery in global markets continues to evolve, with ramifications for a number of areas, and therefore by implication for multi-asset funds.
Adviser disquiet about picking up a substantial part of the cost of the proposed guidance service is understandable.
The final instalment in Tony Wickenden’s six-part series of how IHT rules may apply to relevant property trusts, depending on the individual circumstances of the trust and when it was established.
Deciding whether to specialise or generalise requires analysis of your firm’s capabilities and the attractiveness of each market.
Will your advice model become extinct or survive among the fittest?
Commodities have not been a popular asset class among investors in recent years – for good reason.
With the Scottish referendum looming, perhaps certain areas of the pension industry ought to be more advanced by now, in case of a yes vote.
Providers’ bleating that they do not give advice ignores a basic premise. Caveat emptor should not be a defence.
I applaud the Government’s ultimate policy aim, but in terms of achieving their objective, the latest report looks like shooting themselves in the foot.
The 30-day transfer requirement for ‘standard’ Sipp commercial property is an important distinction.
We must be clear where the gaps are and ways in which they can be filled - one of the most crucial issues to address will be the interaction with suitability requirements.
Show me another industry where rip-offs and deceit have been eradicated – politicians, regulators?
In the early days of RDR-speak, advisers were promised a regulatory dividend. That has yet to materialise and yet advisers are hauled over the coals for overpromising and underdelivering.
Most savers don’t need the complex and expensive guidance service being proposed by the Government.
Cynical journalists are often berated for focusing on the bad and not doing enough to highlight the good.
One of the benefits of the new pensions revolution was supposed to be the freedom to access some or all of your retirement funds at 55.
With sight of the new rules I can consider my clients with a feeling of positivity.
The FCA is threatening enforcement action if firms do not address concerns raised in recent RDR thematic reviews.
FCA-regulated firms now have lawyers and compliance specialists crawling all over the consumer credit rules
Old models of cause and correlation are not working in delivering accurate predictions
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?
The plans for guidance bear all the hallmarks of a poorly designed system.
The regulator’s attitude to the lack of a long-stop shows it is just the same as the FSA.
How can providers design a default fund suitable for retirees given new pensions freedoms?
As a Bankers’ Oath is proposed, could it be time for an Advisers’ Prayer?
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.
How do advisers tackle simplified advice from a legal standpoint?
It should not be acceptable that UK consumers are prevented from receiving the advice they need at a price they can afford.