Amanda Newman Smith

Amanda Newman Smith

Profile: ‘Financial advice has been like a swear word to accountants’

Critchleys chief executive on how accountants have finally grown to respect financial advisers Relationships between financial advisers and accountants range from the good, the bad to the downright ugly. Some advisers talk fondly of their experience running an advice service out of their local accountancy firm’s offices, while others recall joint ventures that failed due to the firms involved […]

Are the new protection CPD rules a double-edged sword?

Rules may increase quality of advice but not necessarily adviser numbers in the market Last month saw the introduction of the Insurance Distribution Directive, which means anyone involved in the distribution of insurance products must complete at least 15 hours of relevant continuing professional development each year. The new rules place no additional burden on […]


Profile: ‘My clients know they can call me about anything’

Hanover Wealth Management director on how client referrals make the world go round A financial adviser is not the most obvious port of call for people when they need some work carried out on their home. But when Hanover Wealth Management’s clients need help, even with non-financial matters, they know they can turn to its director, Julie […]


Where will Hammond look to make savings from pensions?

Having described pension tax breaks as “eye-wateringly expensive”, it would be no surprise to see them bear the brunt of the chancellor’s attempts to balance the books at next week’s Budget. But just because you can do something, it does not necessarily mean you should. Chancellor Philip Hammond should be well aware of this in […]


Profile: Susan Hill on making planning appeal to women

Susan Hill director on making finance more appealing to women and the need for a central training academy Think about your favourite products and services – the fragrance your partner bought you last Christmas; the last concert you went to; that meal you recently had at your local restaurant. Now think about the way they […]

Equilibrium on why in-house trumps DFMs for investments

Equilibrium Asset Management partner and investment manager Mike Deverell explains why the company’s in-house approach to investing compares favourably against the use of DFMs What does your investment management approach look like? We run our investment management in-house. We focus on asset allocation and buy collective investments including open-ended investment companies, unit trusts, some exchange-traded […]

Ruth Whitehead

Profile: Ruth Whitehead: ‘I’m proud to be anti-financial services establishment’

Ruth Whitehead Associates managing director on 25 years attempting to right the wrongs of the industry When Ruth Whitehead Associates managing director Ruth Whitehead says she is “proud to be anti-establishment, especially the financial services establishment” you can sense there is a story to be told. Something that runs deeper than the usual dissatisfaction with […]

Wedding cake spouses turning their backs to each other for emerging problems

Figuring out divorce for women’s retirement prospects

Some women are financially dependent on their husbands, but what does it mean for their retirement if they divorce? Sometimes the best laid plans just do not work out. Marriages fail and one partner – usually, although not exclusively, women – may be financially dependent on the other due to caring for children or elderly […]


Profile: Nicholls Stevens MD: ‘Everyone should have a guaranteed pension income and run riot with the rest’

Nicholls Stevens managing director on how to solve the problems created by pension freedoms A combination of being technically minded and looking for areas with recurring income that suited her business model set IFA Carole Nicholls on her path as a pensions specialist. The managing director of Bristol-based firm Nicholls Stevens realised early in her […]