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Does the decline of final-salary schemes in the UK represent a big opportunity for advisers?Yes 87.5%No 12.5%Yes “Anything that happens in the pension industry in theory can be a business opportunity for IFAs. But most of the news you hear about is bad news and pensions is just a huge turn-off for the public.”

Cyril Kieldsen, Kieldsen Mclean Financial Services

No “I don’t think those people in final-salary pension schemes are really in the IFA market.”

Bernard Dokelman, Sovereign Financial Services Group

Yes “People are going to need more advice in this area because of this decline.”

Michael Robinson, Michael Robinson Insurance Brokers

Yes “I am very enthusiastic about the opportunity for advisers here to show their worth in suggesting the good alternatives out there.”

David Crawford, David Crawford

Yes “We do a fair amount of pension business and I think this is a great opportunity.”

Kevin McDonald, K & M McDonald Financial Services

Yes The collapse of DB schemes could be a huge potential source of revenue for good fee-based advisers because the demand is certainly there. But personally I find it quite difficult to offer prescriptive advice because you are often not aware of who is running the scheme or who the trustee is.”

David Ewens, WWH Ewens Insurances Adviser

Yes “Employers are going to have to do something, whether it be transferring the schemes or setting up completely new ones. It will benefit IFAs in the long run but only if they are on the ball as many bigger firms will go direct to providers rather than through IFAs.”

John Philip Leefe, JP Leefe & Co

Yes “Any new business opportunity is an opportunity for IFAs but they have to do their homework, as always.”

Neil Court, Quality Financial Advice


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