neill macgillivray

Understanding pension annual allowance calculations

Looking at the differences in the way the pension input amount is calculated for pension annual allowance purposes. I want to use my next couple of articles to explore some of the pension tax legislation differences between DB arrangements and other money purchase arrangements. This week, I am going to look at the differences in […]


Mortgage broker directors join SJP with new wealth management business

Two directors of a mortgage broker have set up a wealth management firm that will be part of St James’s Place. John Charcol sales director Peter Williams and marketing director Ben Larkin have  started wealth management business Firmitas Financial Services. Larkin says: “We are looking to team up with mortgage advisers and other professional introducers […]

Lesley Titcombe

TPR’s beefed-up powers set out in DB white paper

A Government white paper has confirmed The Pensions Regulator will be given stronger powers to oversee defined benefit pension schemes. The Department for Work and Pensions today published the defined benefit pension schemes white paper, which proposes changes to strengthen DB schemes. In recent months, DB schemes at BHS, Carillion and Toys ’R’ Us have […]


Building the Tesla of the advice market

Advisers have an edge over the rest of the financial services industry when it comes to building trust Last month, PR firm Edelman published its annual survey of public trust. It found financial services is people’s least trusted industry. This is not very surprising. Indeed, it echoes research we commissioned from YouGov last year, which […]


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