Money Marketing
25 February 2010
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2020 vision
25 February 2010
Niall Shaw believes that the industry needs to rebuild trust with its customers and has developed financial planning software which it believes can help that process as well as create best-of-breed offerings
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90% of firms to seek advice on pensions
25 February 2010
Nine in 10 UK firms intend to seek expert advice on the 2012 pension reforms, with medium and large firms likely to speak to an IFA, according to the Personal Accounts Delivery Authority.
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A matter of faith
26 Feb 2010
If I Were You director Rob Clifford says brokers have to win back customer trust quickly.
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A piece of the pie
25 Feb 2010
Understanding the terms of the staff share scheme on offer from an employer is key before signing on the dotted line
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A question of ethics
25 February 2010
This is the second of a series of articles that are designed to aid those looking to deepen or refresh their financial advice knowledge as the industry faces up to level four. This article will look specifically at ethical investing and focus on how to prepare for a short question on the subject from the ifs School of Finance’s DipFA exam
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Abbey launches new broker division
25 February 2010
Abbey for Intermediaries has set up a new broker division called Associate Accounts, which will offer exclusive mortgage deals to 10 brokerages.
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Access could boost savers
25 February 2010
Product providers and advisers believe that allowing early access to pension funds would encourage more people to save.
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Adviser concern at Aviva property offer
25 Feb 2010
An adviser has slammed Aviva Investors for drumming up business in its flagship property trust despite a large majority of the fund being held in cash.
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Advisers discount Tory bank sale plan
25 Feb 2010
Conservative plans to encourage people on lower incomes to invest in discounted bank shares have been attacked as “silly electioneering” by advisers.
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Advisers have same issue of 'ownership'
25 February 2010
Gareth Fatchett in his article in Money Marketing describes the network model as a busted flush. In the main, his article circles around client ownership. Can we put this matter to bed once and for all.
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Aifa wants to know legal basis for levy
25 Feb 2010
’Regulator should have stepped in far sooner’
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All boutiques great and small
26 Feb 2010
Julian Marr says “boutiqueness” is a state of mind.
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Annuity row breaks out over Partnership outsourcing deal
25 Feb 2010
Just Retirement has castigated Partnership’s decision to team up with Origen in an annuity outsourcing deal.
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April alert
25 Feb 2010
With tax changes due, advisers need to consider strategies
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Are consolidators RDR scaremongers?
26 Feb 2010
In Partnership director claims firms are playing on advisers’ fears
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Auto control for advisers
25 February 2010
Auto-enrolment will present a huge opportunity for advisers but round table delegates say how advice will be paid for remains a moot point.
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Axa revives plans for a variable annuity
25 Feb 2010
Axa is back on track with plans to launch a variable annuity.
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Battle of the repo bulge
26 Feb 2010
Our panel consider the likelihood of higher waves of repossessions for several years, the spectre of rising interest rates, Skipton ending its SVR ceiling and future consolidation among lenders
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Behind the scenes: the CII on setting exams
25 February 2010
Dennis Hall aims to dispel some myths about the CII exam process.
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Cable rails at state banks' funding role
25 February 2010
Liberal Democrat Shadow Chancellor Vince Cable has hit out at the Government for allowing nationalised banks to help fund international takeovers when they should be supporting British businesses.
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Carby, Flight and Gunn join Metro board
25 February 2010
Former chief executive of Openwork Keith Carby, ex-Conservative deputy chairman Howard Flight and former Friends Provident chief executive Ben Gunn are among the latest appointments to the board of Metro Bank.
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Cautionary notes
26 Feb 2010
“The rapid shift between asset classes and the trends within each has led to increased portfolio turnover levels in many funds.”
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Chartered course
25 February 2010
I am taking the journey from diploma to chartered status to benefit me, my business and my clients. The personal and business opportunities are paramount - all I need to do is pass four exams in two years
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Cirencester seeks Icob regime for income cover
25 Feb 2010
Cirencester Friendly Society is meeting with the FSA to discuss whether its income protection plan can be governed by Icob rules rather than Cob following the retail distribution review.
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Clare Brook
25 February 2010
Disheartened by the tendency of many ethical funds to lose sight of their prime motivation, the joint founder of WHEB Asset Management is pioneering a more focused approach - and is trying to change the face of socially responsible investing in the process Interview by Gregor Watt
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Commission con advisers tricked firm out of £100k
25 February 2010
Two advisers have been found guilty of tricking their company out of more than £100,000, a court has heard.
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Customer connection
25 February 2010
The Business of Advice book and website looks at how to manage and grow advice businesses. In his second article, author David Shelton talks about how firms can benefit by gaining a detailed picture of customers
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Dear Rob & Roderic...
25 February 2010
Our resident agony uncles and The Ideas Lab directors Rob Reid and Roderic Rennison answer adviser queries
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Different strokes
26 Feb 2010
Diversification is a smart way of reducing risk across a whole portfolio and giving investors a smoother ride
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Do we need two pension regulators?
25 Feb 2010
Money Marketing round table guests ask: What next for pension reform?
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Dog daze
24 Feb 2010
Chris Salih assesses the latest Chelsea FS analysis of funds which have failed to keep up with the market rally
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Don't get lost in transition
25 Feb 2010
Rob Reid offers some advice to IFAs preparing for the RDR.
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Dozen more firms to enter wrap by 2012
26 Feb 2010
Transact says another 12 players will enter the wrap race by 2012 suggesting the sector is “nowhere near saturation point”.
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DWS adds two funds to range for UK
25 February 2010
DWS, the asset management arm of the Deutsche Bank group, is offering an absolute return bond fund and a specialist glo-bal equity fund.
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Euston, we have no problem
25 February 2010
MM deputy editor Gregor Watt ruins Valentine’s Day to pass his first exam on the road to QCF level 4.
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Expat tax case hinges on law of gravity
25 February 2010
High-net-worth tax exiles are likely to face increased scrutiny from the tax office after a British entrepreneur based in the Seychelles lost a landmark court ruling last week.
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Fidelity adds provisos to China performance fees
25 Feb 2010
Advisers have welcomed the decision by Fidelity to introduce caveats on the performance fee for Anthony Bolton’s impending China special situations trust.
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First-rate First State
26 Feb 2010
Emerging markets may be volatile but the First State team are finding opportunities
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Five-year wait for MVR-free day
25 Feb 2010
Aviva has come under attack for pushing back the MVR-free day on a with-profits policy by five years as a result of the changes to the minimum retirement age.
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Flexibility factor
25 February 2010
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Fos criticises lenders over debt agencies
25 February 2010
The Financial Ombudsman Service has hit out at lenders which insist on involving a debt advice agency with customers who are experiencing financial hardship, even when this is not what the client needs.
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FSA returns £270k to fraud victims
25 February 2010
The FSA is to return £270,000 to victims of a share fraud, which it has recovered after taking action against companies involved in the scam.
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FSA sets out new rules for funds of alternative investment funds
26 Feb 2010
Regulator sets out new regime to allow greater access to alternative investments.
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Gap year
1 Mar 2010
Charles Wood, product manager at Assureweb, believes the next 12 months could see income protection innovations, particularly in the technology area, which can help to fill the gaps in adviser processes and in consumer cover
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Gilt by association
26 Feb 2010
Santander’s Daniel Ford says the BoE’s decision to hold QE will see gilts suffer in the medium term.
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Govt urged to raise tax to pay for care
25 February 2010
Entrepreneur and Balhousie Care Group chairman Tony Banks says the Government should increase tax by 1 per cent to pay for elderly care.
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HMRC wide of mark
25 Feb 2010
Tax legislation has been drafted with too much scope
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Honister Capital makes £1.5m profit
25 Feb 2010
Honister Capital made an operating profit of £1.5m between June and the close of its financial year on September 30 last year.
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Hub of the matter
25 February 2010
Financial Relationships joint founder Alex Morris describes how the firm is taking a hub and spoke approach to service by building professional connections and making advice the product
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Hung result would block reforms
25 February 2010
A hung Parliament would be “a disaster” for pension reform, according to Cicero Consulting.
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IFAs could save councils £1bn a year
26 Feb 2010
Partnership calls on local councils to use the expertise of IFAs to advise them on long-term care.
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Isas to soar as limit and confidence are boosted
25 February 2010
Isa business levels are expected to soar as a result of April’s £3,000 allowance increase for all investors.
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Keep your objectives on track
25 February 2010
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Keydata levy is an outrage against IFAs
24 Feb 2010
Nic Cicutti says it is clear that Keydata was not being effectively regulated by the FSA.
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Knight firm rebrands and recruits ex-FSA director
25 February 2010
Checkmate Mortgages has appointed former FSA director Ronnie Baird and ex-Stroud & Swindon chief executive David Hill to its board as it rebrands to Portillion.
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Law firm probes Skipton ceiling contract clause
25 February 2010
Law firm Leon Kaye has launched an investigation into the legal implications of Skipton Building Society’s decision to scrap the ceiling on its standard variable rate.
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Leader: Cherry Reynard
25 February 2010
Cherry Reynard Consulting Editor, Adviser Evolution
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Lending falls to lowest level in 10 years
25 February 2010
Gross mortgage lending fell to its lowest level for nearly 10 years in January, according to the Council of Mortgage Lenders.
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Liontrust to offer absolute return fund
25 February 2010
Liontrust is preparing to launch an absolute return bond fund next week for head of fixed income Simon Thorp.
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Lloyds chief Daniels forgoes £2m bonus
25 February 2010
Lloyds Banking Group chief executive Eric Daniels has waived his right to a £2.3m bonus for 2009, after Royal Bank of Scotland and Barclays bosses last week waived their bonuses.
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Lost and found
25 Feb 2010
It doesn’t have to be all doom if we get radical financial reforms
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Lumbering up
26 Feb 2010
Swip’s Mark Harries says money can grow on trees.
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Magnificent obsession
25 February 2010
Harry Katz suggests in Money Marketing that I am becoming obsessive regarding both the FSA and the RDR.
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Man on a wire
1 Mar 2010
10 MINUTES WITH…COLIN MORTON
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Massow returns with comparison website
25 February 2010
Joan Collins launches the new Compare for Good price comparison website with Ivan Massow and Cathy Ferrier from Oxfam
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MM leader: Tories must drop gimmicks and look to long term
25 Feb 2010
The Conservative Party’s offer of discounted bank shares appears designed more as a headline-grabber in the run-up to the general election than a serious attempt to create a better savings culture.
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Nest wrecks current provision
25 February 2010
Aviva has claimed that unless legislation is relaxed so the private sector can offer pensions to lower-earners, the Nest scheme will plough through current pension provision.
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OFT sees conflict in cash for referrals from estate agents
25 February 2010
The Office of Fair Trading says the Government should consider a ban on referral fees between mortgage brokers and estate agents to combat potential conflicts of interest.
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On the defensive
1 Mar 2010
“Most of us have the over-optimism bias. The trick for advisers is to try to act as if you are the owner and not the client.”
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Out of context
25 February 2010
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'Over-regulation is putting small-cap stockbrokers out of business'
24 Feb 2010
Wills & Co Financial Group founder and chief executive Peter Shakeshaft has slammed the FSA for over-regulation of the small-cap investment market.
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Postcard from America
26 Feb 2010
“The market has been as changeable as the weather.”
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Profits up by 56% for Leeds BS
25 February 2010
Leeds Building Society has posted a profit of £31.7m for 2009, up by 56 per cent on the previous year.
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RDR could see fewer people taking open market option
25 February 2010
The retail distribution review is likely to see fewer pension savers exercising their open market option, says Fitch Ratings.
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Revenue relents on time to consult over advice crackdown
24 Feb 2010
HM Revenue & Customs has extended the consultation period for draft legislation on tax advice after an industry outcry. Tax experts called on HMRC to redraft proposed legislation on penalties for tax agents after fears that advisers could be punished for giving legitimate advice on reducing tax liabilities.
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Rogof says countries will default on debts
25 February 2010
Former International Monetary Fund chief economist Kenneth Rogof says more nations will default on their debts in the coming years.
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RoyLon back in talks on deal with Royal Liver
25 February 2010
Royal London is in talks to buy Royal Liver two years after the Liverpool-based insurer rejected a merger deal.
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Simple strategy
25 February 2010
Barry Fleming & Partners adviser Lisa Chantrey talks about the progress of the firm’s RDR business plan since her last diary entry in October.
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Sitting tight
25 February 2010
Fidelity’s Peter Hicks tries to find room to begin studying around organising the launch of Anthony Bolton’s new China fund.
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Small firms are left to clean up the mess
25 February 2010
Open letter to Treasury ministers Alistair Darling, Lord Myners and Liam Byrne
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So, Do You Know What Your Time is Worth?
25 February 2010
Understanding the value of your time is a fundamental cornerstone of getting your business ready for a post RDR market
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Social workers
25 February 2010
Should advisers be setting aside traditional marketing tools and instead embracing social media? What can a presence on Twitter and Facebook bring to an advisory business? Two experts go head to head over social media
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Societies face falling into funding gap
26 Feb 2010
Moody’s warning on the scrappage of Government mortgage support schemes sparks fears as to what the future holds for smaller societies, reports Paul Thomas
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Solicitors face mortgage fraud charges
25 February 2010
Two solicitors have been charged in an alleged £50m commercial mortgage fraud case.The solicitors appeared at City of London Magistrates Court last Thursday after being charged with offences in connection with a series of high-value commercial mortgage frauds.Mark Knights of Cheshire and Kamran Malik of Birmingham are charged with three counts of obtaining a money transfer by deception.The proceedings are to be transferred to Southwark Crown Court.
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Split image
26 Feb 2010
Buy to let Lee Jones reports on fears that FSA regulation could damage the BTL sector
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Stockbrokers misled clients on penny shares
25 February 2010
FSA takes action in small-cap sector
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Striking a balance
25 February 2010
Adviser Fund Index
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'Sweep away the state of confusion'
25 Feb 2010
Pension experts believe the next Government must rebuild the pension system around a citizen’s pension which would give the same amount to everyone.
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Symponia sets out choice to end LTC political battle
25 February 2010
Long-term care specialist Symponia has hit out at politicians for their public battle over how to fund personal care for the elderly.
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Tax and the Tories
1 Mar 2010
As a general election approaches, advisers have the opportunity to help clients at a time of tax hardship
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Tax dispute could delay £9bn Alico sale
25 February 2010
Metlife: Alico deal still up in the air
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The Miller’s tale
26 Feb 2010
Alan Miller’s new firm is investing only through ETFs
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Top 10 tips for passing exams
26 Feb 2010
Fay Goddard offers her advice for IFAs getting ready to take exams.
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Towergate buys John Charcol and looks to cross-sell
25 February 2010
Towergate Financial has bought John Charcol after the brokerage went into administration earlier this week.
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Transition mission
25 February 2010
Aifa is helping firms meet the RDR challenge with an online business academy. It has been designed by IFAs for IFAs and offers practical guidance and direction
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Vestra aims to boost hedge ability for offshore funds
26 Feb 2010
Discretionary manager Vestra Wealth Management is looking to strengthen its hedge fund expertise to bolster the firm’s offshore range.
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Vision in focus
25 February 2010
How many firms are clear about what they offer clients and why they should be their adviser of choice? Take time to sit back with the key people in your company and create your business vision
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Widows and Ascentric in corporate wrap move
24 Feb 2010
Both Scottish Widows and Ascentric will enter the corporate wrap market this year and Nucleus says it is looking at the sector.
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Woodfull becomes Bravura chief exec
25 February 2010
Bravura group chief executive and managing director Iain Dunstan has resigned and director of operations Simon Woodfull has taken over.
