A DGT with 100% access and 100% discount?

Clare Moffat, Technical Manager, looks at the benefits of pensions from an IHT perspective. 100% access and 100% discount – what type of wrapper could this be? A pension! Post flexibility there is 100% access (for those over 55) and normally pensions are inheritance tax (IHT) free. With flexibility the options available on death mean […]

PRA admits lack of long-term planning on Brexit

The Prudential Regulation Authority has not carried out any contingency planning over the long-term effects of Brexit. Following a Freedom of Information request to the regulator, the PRA says it had conducted “significant contingency planning” for any market volatility that could have happened before, during, or in the immediate aftermath of the UK’s vote to […]


How the YouTube generation is learning

Technology already underpins everything from platforms to robo-advice and is constantly evolving to help advisers cater for client needs. At the same time the world outside financial services is increasingly going digital. Given that the advisers of tomorrow will have their feet planted firmly in the digital world even before they can walk, does the […]


Ascentric rolls out income forecaster tool

Ascentric has launched a tool to help advisers assess the projected income of portfolios. The income forecaster tool is powered by FundsLibrary and forecasts how much income can be generated in a portfolio both monthly and annually. It will use fund data to analyse the yield in a portfolio and estimate its likely future income […]

Treasury looks to address advice gap

By Jamie Clark, Business Development Manager, Royal London Hot on the heels of consultations on tax relief and pension transfers and early-exit charges comes a new investigation into the advice gap, and how this can be bridged. Ever since the new pensions freedoms were introduced, concerns have been raised about how people can get access […]


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