10 November 2016

Hugh Young: Post-Brexit Britain should pay attention to Japan

Faith in Abenomics is fading fast if Japan’s stock prices are any gauge of investor confidence. The benchmark Topix index has fallen over 12 per cent since the start of this year. The decline extends to almost 20 per cent from August 2015, when the index hit its highest levels following Prime Minister Shinzo Abe’s […]

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The road to protection that improves people’s lives

I was fascinated to hear Royal London is going ahead with its proposal for a life insurance policy just for diabetics. As owner of a firm that specialises in placing cover for clients with pre-existing conditions the news is very exciting. From my experience, the most difficult cases to place are type 1 and type […]

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The new order of taxation post-Osborne

With interest rates at such low levels it has never been more important to understand how to boost clients’ income. One of the easiest ways is to make sure you are taking advantage of the tax allowances available. In April last year, then-chancellor George Osborne introduced significant changes to the tax regime, including the nil-rate […]

How to predict revenue and profits more accurately

Successful businesses spend time predicting and tracking revenue. Some use spreadsheets, ratios and specialist software, while others use a crystal ball. Indeed, there is a tendency to over- or under-engineer this essential activity but there are some best practice techniques that are important. The starting point is the three-year business plan. The level and mix […]

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Tom Baigrie: Protection success is good for us all

Last month I noted that my business is finding consumers are engaging more with our efforts to explain income protection than they were. We have an idea as to what is causing that happy change. To follow our logic, you must first realise that, at any one time, the number of consumers with any interest […]

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An adviser trade body’s “new deal” for IFAs

The last 20 years has seen plenty of regulatory change. Each initiative has expanded the influence, cost and invasiveness of regulators without any demonstrable increase in the protection of consumers. With the number of consumers seeking advice dropping from 23 million to 8 million since the RDR, the Government has tried (and failed) to fill […]

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What the FCA wants to see on client comms

The FCA has recently published a paper on smarter consumer communications (FS16/10). It pulls together feedback on various issues around communicating information to consumers in a way that is compliant but also more engaging and relevant than is the case currently. It does not contain any proposed new rules or policy but it does signpost […]