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Tony Wickenden: Dotas and IHT - what it means for advisers

17 September 2014

Proposals to widen the Disclosure of Tax Avoidance Schemes provisions for IHT avoidance schemes will have implications for financial planning.

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Brian Tora: Geo-political issues risk upsetting the apple cart

17 September 2014

Geopolitical risks may upset the applecart but the focus in the short term is on interest rates.

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Richard Leeson: RDR poses pitfalls for asset gatherers

16 September 2014

The asset-gathering business model is a potential cause for concern, particularly when it comes to product suitability

Comments (1)

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Tom Kean: Providers are using advisers as unpaid data entry clerks

16 September 2014

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?

Comments (6)

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Nick Bamford: Advisers not to blame for breakdown in trust

15 September 2014

Commentators like Sue Lewis of the FCA Consumer Panel fall into the “adviserism” trap on a regular basis.

Comments (17)

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Paul Kennedy: Beware tax penalties on pension advice charges

15 September 2014

Facilitating advice charges through pensions can have tax advantages but make sure you comply with the rules.

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Chris Gilchrist: Avoiding the risk iceberg

12 September 2014

It is intuitively obvious that ‘How much can you afford to lose?’ ought to be the starting point for professional investment advice

Comments (2)

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Kim North: Stakes are too high to gamble on Ucis

12 September 2014

Over the years I’ve been sent thousands of mailings promoting unregulated collective investment schemes.

Comments (5)

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Should pension providers be forced to scrap exit fees?

11 September 2014 | By Sam Brodbeck

Just how unfair are exit fees charged by insurance companies?

Comments (6)

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Nic Cicutti: Avoiding the pensions equivalent of Arch cru

11 September 2014

Advice on DB to DC transfers will always be a minority sport.

Comments (1)

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MM leader: Interesting twist to provider suitability role

11 September 2014

The FCA and its predecessor have long been banging the drum about the importance of due diligence and assessing suitability.

Comments (4)

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Will Budget reforms be remembered as a catastrophic blunder?

10 September 2014

The law of unintended consequences says the actions of individuals and governments always have effects not foreseen by those involved.

Comments (4)

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Mark Dampier: You just can't beat equity income

10 September 2014

Equity income is the ideal asset class for “baby boomers” starved of income, and for the younger generation 

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John Chatfeild-Roberts: Bouncing US turns all eyes on the Fed

10 September 2014

Markets are braced for rising rates as mixed signals spark debate at the central bank.

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Danby Bloch: Pension savings must not go to pot

10 September 2014

It is worth examining options for pension encashment now, ahead of next year’s flexible new regime.

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Chris Davies: What's your financial advice strategy?

10 September 2014

Advisers and financial planners face tough decisions when managing the future direction their businesses should take.

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Tony Wickenden: Tightening the rules on tax avoidance disclosure

9 September 2014

The Government says grandfathering could be misused by promoters.

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Iain Anderson: Can No campaign win back momentum on Scottish independence?

9 September 2014

Hang on to your hats (or your bonnets) - this is going down to the wire

Comments (2)

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Tom McPhail: Is Steve Webb's Nest stance anti-consumer?

9 September 2014

The DWP announcement that it has already decided to scrap the restrictions on Nest looks on the surface like a strong pro-consumer decision.

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Stephen Womack: Less is more on fund choice

9 September 2014

The hundreds of moribund funds on offer are the investment equivalent of the archetypal teenager – hanging around on street corners looking for a purpose in life.

Comments (2)

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The beginning of the end for Scottish financial services?

8 September 2014

The trouble with regulation, as many in the industry will attest, is often the unintended consequences.

Comments (20)

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FCA: Getting ready for consumer credit authorisation

8 September 2014

FCA regulation of the consumer credit industy should help to establish a minimum standard.

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The Platforum: Hargreaves Lansdown remains the D2C platform to beat

5 September 2014

Having looked at adviser platforms over recent weeks, our focus now turns to direct-to-consumer platforms.

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Ian McKenna: The trouble with auto-enrol data standards

5 September 2014

All of a sudden a lot of people seem to want to talk to me about industry data standards.

Comments (1)

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Alan Lakey: Rate increase bombshell is looming

5 September 2014

As advisers we are often expected to be adviser, marriage guidance counsellor and often clairvoyant.

Comments (11)

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Robert Reid: Will hearts or heads win out on Scottish indy vote?

5 September 2014

At the very time people are seeking facts about the pros and cons of independence, all they seemed to get instead was rhetoric and bluster.

Comments (9)

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Martin Bamford: Are we seeing the death of cash deals for advice firms?

4 September 2014

Perspective’s new acquisition terms demonstrate how advisers have been kidding themselves over the value of the businesses.

Comments (5)

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Nic Cicutti: Apfa has failed in the political lobbying game

4 September 2014

Is it time for Apfa to merge with a professional body in order to gain traction?

Comments (7)

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MM leader: What happens to pension qualifications post-Budget?

4 September 2014

Come next April, the world of pensions will be irrevocably changed, and with it the advice given will have to be adapted accordingly.

Steve Tolley

Sex, drugs and GDP: How the new growth measure is calculated

3 September 2014

The ONS now measures “household spending” on drugs and prostitution in calculating GDP - but how?

Comments (1)

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Brian Tora: Advisers need to use investment trusts wisely

1 September 2014

Until comparatively recently, all but a very few advisers considered investment trusts to be outside their remit.

Comments (7)

Steve Tolley

Why can't banks admit PPI failures?

29 August 2014

Despite £16bn in consumer redress some firms are still refusing to face up to what they have done.

Comments (5)

Freddie Findlater

The Platforum: Strategic decisions and legacy platforms

28 August 2014

Some advisers’ clients may be held on a platform for historical reasons rather than being the adviser’s actual platform of choice. 

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How to get more of the right clients – and more income

28 August 2014

Slowly the wheel has turned, and many IFAs now seem ready to build a bit more scale on top of the solid foundations they have carefully built

Juan Nevado

Bonds vs equities: A 30-year picture

28 August 2014

Asking simple questions often provides a useful means of highlighting how perceptions can differ from reality.

Comments (2)

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Alan Lakey: Illogic is king in the mortgage market

27 August 2014

The old adage that “rules are for the guidance of wise men and the obedience of fools” has never been more appropriate.

Comments (20)

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Five reasons why simplified advice could be set to fail

27 August 2014 | By Michael Glenister

Do those eyeing an online advice offering face a struggle?

Comments (1)

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Robert Reid: Pension statements need a big shake-up

27 August 2014

We need to be radical on this, and it is not enough to tinker around the edges.

Comments (1)

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The Very Reverend Revenue

26 August 2014

Booking Westminster Abbey for a morale boosting staff meeting seems fitting for an increasingly powerful taxman.

Comments (1)

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Does Skandia's Woodford switch set a precedent?

26 August 2014

It is hard to envisage a scenario where a mandate is switched every time a good manager moves on.

Comments (5)

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