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.
Equity income is the ideal asset class for “baby boomers” starved of income, and for the younger generation
Markets are braced for rising rates as mixed signals spark debate at the central bank.
It is worth examining options for pension encashment now, ahead of next year’s flexible new regime.
Advisers and financial planners face tough decisions when managing the future direction their businesses should take.
The Government says grandfathering could be misused by promoters.
Hang on to your hats (or your bonnets) - this is going down to the wire
The DWP announcement that it has already decided to scrap the restrictions on Nest looks on the surface like a strong pro-consumer decision.
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.
The trouble with regulation, as many in the industry will attest, is often the unintended consequences.
FCA regulation of the consumer credit industy should help to establish a minimum standard.
Having looked at adviser platforms over recent weeks, our focus now turns to direct-to-consumer platforms.
All of a sudden a lot of people seem to want to talk to me about industry data standards.
As advisers we are often expected to be adviser, marriage guidance counsellor and often clairvoyant.
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.
Perspective’s new acquisition terms demonstrate how advisers have been kidding themselves over the value of the businesses.
Is it time for Apfa to merge with a professional body in order to gain traction?
Come next April, the world of pensions will be irrevocably changed, and with it the advice given will have to be adapted accordingly.
The ONS now measures “household spending” on drugs and prostitution in calculating GDP - but how?
Until comparatively recently, all but a very few advisers considered investment trusts to be outside their remit.
Despite £16bn in consumer redress some firms are still refusing to face up to what they have done.
Some advisers’ clients may be held on a platform for historical reasons rather than being the adviser’s actual platform of choice.
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
Asking simple questions often provides a useful means of highlighting how perceptions can differ from reality.
The old adage that “rules are for the guidance of wise men and the obedience of fools” has never been more appropriate.
Do those eyeing an online advice offering face a struggle?
We need to be radical on this, and it is not enough to tinker around the edges.
Booking Westminster Abbey for a morale boosting staff meeting seems fitting for an increasingly powerful taxman.
It is hard to envisage a scenario where a mandate is switched every time a good manager moves on.