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MM Wired: Making IP the default
Topics discussed: • What are the market factors that prevent income protection from being more widely sold, e.g. pricing, consumer awareness? • Is there a tendency to go for the easy sell when it comes to protection, such as life or critical illness? • What needs to happen to make income protection the go-to protection […]
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Pete Matthew: The importance of selling up without selling out
I read with great interest Carl Lamb’s recent piece about the sale of his firm Almary Green to Standard Life’s advice arm 1825. In it, he eloquently explains the rationale for the decision to sell and argues the old distinction between restricted and independent advisers is changing. He even goes so far as to say he […]
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Tesco launches into mortgage broker market
Tesco Bank has made its long-awaited entry into the broker market. Tesco Mortgage Intermediaries is being offered first through London & Country, then through Legal & General’s Nouveau panel in the coming months. It has trackers starting from 1.35 per cent, two-year fixed rates from 1.67 per cent and five-year fixes from 2.34 per cent. […]
Royal London calls for guidance for Lifetime Isa savers
Royal London has called on the Government to offer impartial guidance for savers who want to put money into Lifetime Isas. In its submission to the Work and Pensions Committee’s inquiry on automatic enrolment, the firm argues savers should have access to guidance before making choices about workplace pensions and Lifetime Isa. Royal London says […]
Auto enrolment – so far so good?
Jamie Clark – Business Development Manager The recent report from the Pensions Policy Institute demonstrates the sheer scale of auto-enrolment so far and what we can expect in the future. We’ve pulled out the key information to save you reading the full report. Auto enrolment in numbers Sources: Pensions Policy Institute, The Future Book: Unravelling […]
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Compliance tip: Managing emerging conduct risks
The advice sector is on the cusp of a major regulatory shift, set to change customer behaviour and market conditions. Firms need to focus on three core areas to ensure they remain competitive and effectively meet regulatory obligations, particularly as new conduct risks emerge. Culture Culture plays a key role in effectively adapting to future […]
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Woodford: UK consumer debt concerns overblown
Star manager Neil Woodford has dismissed concerns of rising UK consumer debt arguing house prices are rising and the low interest rate environment will be supportive. UK households have amassed £200bn in unsecured debt and consumer credit is rising at a rate of just under 10 per cent a year, while inflation has seen real […]
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Nic Cicutti: Why I’m a value of advice convert
My first instincts about a Royal London-sponsored report were wrong. Now I urge everyone to read it