The problem with circulating lots of pieces of paper with personal financial information on them is that those pieces of paper will find their way into the wrong hands.
In need of the ultimate political diversion, George Osborne turned to his old faithful plaything – the pensions market.
In order for the guidance service to be successful, those involved need collective vision with no division in their midst.
The FCA’s decision to row back on IFA internal referrals corrects a glaring error in its original guidance.
HMRC is at pains to state that straightforward abuse of the existing generous IHT reliefs and exemptions would not be disclosable.
For some advisers, auto-enrolment is a double-edged sword.
Is it the beginning of the end of what has been good equities rally, or will patience be rewarded?
The recent comments made by Sue Lewis and Caroline Rookes of the Money Advice Service will only hurt consumer interests.
The firms that shone for Holly Mackay at the Finovate technology showcase in New York.
Joining British Friendly as a non-executive director is an exciting opportunity and I write this as I prepare for my first board meeting.
Neil Woodford is still relatively new to the world of lower charges.
Location features for loyalty plans and personal financial management services point to the next generation of tech development.
Attitude to risk questionnaires do not help clients understand the consequences of a loss.
The key to simplifying applications is to ensure the quote given is the real one, not one just for the perfectly healthy.
Extending claims statistics to short-term IP could risk undoing protection industry’s good work.
This time last week the financial services industry was braced for significant upheaval as it waited to hear what fate Scotland had decided for the union.
One of the things I find about Money Marketing is no matter how assiduously you read it, little gems slip through the net.
Labour conference has closed with pensions, tax rises and deficit-forgetters dominating the agenda.
Advisers have a great opportunity to benefit from the reinvention of financial advice as a digital service.
For experienced advisers a minimum profitable contribution is essential.
The isolating world of the robot will take what we do not want but give back to us people pleading to deal with us.
Without consultation, the entire structure of the British pension settlement was torn up by the Chancellor.
I am incredibly proud of the way the political debate was so energised by both sides and truly believe British politics will be the better for it going forward.
Wearable devices and biometric software have the capacity to transform almost every element of the protection market.
PPI misselling is not a black and white issue.
Insurers are planning for the unthinkable – a U-turn on the Government’s flagship pension reforms
Mass devolution is likely if Scotland votes no to independence.
Many years ago, so many years that I am embarrassed to say, I rang a Scottish Amicable marketing director for my weekly chat.
Proposals to widen the Disclosure of Tax Avoidance Schemes provisions for IHT avoidance schemes will have implications for financial planning.
Geopolitical risks may upset the applecart but the focus in the short term is on interest rates.
The asset-gathering business model is a potential cause for concern, particularly when it comes to product suitability
How hard can it be for the various life offices left out there to make our lives just a bit easier once in a while?
Commentators like Sue Lewis of the FCA Consumer Panel fall into the “adviserism” trap on a regular basis.
Facilitating advice charges through pensions can have tax advantages but make sure you comply with the rules.
It is intuitively obvious that ‘How much can you afford to lose?’ ought to be the starting point for professional investment advice
Over the years I’ve been sent thousands of mailings promoting unregulated collective investment schemes.
Just how unfair are exit fees charged by insurance companies?
Advice on DB to DC transfers will always be a minority sport.
The FCA and its predecessor have long been banging the drum about the importance of due diligence and assessing suitability.
The law of unintended consequences says the actions of individuals and governments always have effects not foreseen by those involved.