business property relief

Tony Wickenden: Helping business owner clients plan around losses

Knowledge of how the tax relief rules work for corporate losses will add considerable value to an adviser’s proposition Financial planning tends to focus on situations where there is available capital or income – very possibly created from business profits for SME owner-managers. But sometimes businesses make losses, and an awareness of how the tax […]

Platform costs

How low can platform costs go?

Will technology drive fees below 10 basis points? Downward pressure on fees and charges has been affecting all corners of the retail investment market, with experts now questioning exactly how low pricing can go when it comes to adviser platforms. However, finding efficiencies must be balanced with the ability to run a viable business, as […]

Tim Sargisson: Supporting the client is key to a sustainable business

Supporting the client is key to a sustainable business There are still too many people in financial services who don’t seem to recognise, understand or appreciate that the key to growing a sustainable business is supporting the client. To survive is not about being the strongest or the fittest; it’s about being the most adaptable […]

Andrew Tully: FCA data exposes worrying pension withdrawal rates

Average drawdown withdrawal rates have reached a level unlikely to be sustainable through retirement The FCA recently published new retirement income market data showing how consumers are using the pension freedoms. My initial reaction after reading the document was one of frustration, as the information only gives part of the overall picture. Providing some additional […]

Life cover for life

Jennifer Gilchrist Proposition Lead – Design, Royal London When someone mentions whole of life plans, most people will think of a niche product that serves as an inheritance tax planning tool for high-net-worth clients. And it’s really not surprising they’ve been pigeonholed in that way because before the arrival of RDR in 2013, that’s more […]


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