12 November 2015


Martin Werth: Digital lessons for D2C protection growth

Long-term success requires companies to position themselves where the best growth opportunities lie. Direct-to-consumer is the most talked about potential growth story but the future will not simply be an extrapolation of the past. Customer habits have changed and so too must we. Digital has emancipated customers who expect fast access to the right information […]

Pete Matthew

Pete Matthew: The dangers of being boxed in

A little over a year ago, my company moved to new offices after 24 years at our old place. Our former home was a listed building, so we could not have signage. It had also become cramped and dingy. By contrast, our new 3,000 square foot office is bright and airy, with lots of room. It […]


‘No evidence’ HMRC rules are cleaning up SSAS market

SSAS savers are still at risk of tax charges a year on from the introduction of fit and proper rules designed to protect against scams, providers warn. Since 1 September 2014, HM Revenue & Customs has been able to refuse both to register a new  pension scheme and to de-register an existing scheme if the scheme’s administrator […]


Legal lessons for advisers on duty of care

A recent judgement of the High Court (Worthing and another v Lloyds Bank plc [2015] EWHC 2836 (QB)) has provided some helpful guidance on continuing duties of care for financial advisers. The case involved a traditional client/adviser relationship, with initial investment advice being provided by the adviser followed by periodic reviews in subsequent years. The clients […]

Seven Families one year on: What has the campaign achieved for protection?

The Seven Families campaign has been a “springboard” to improving consumer awareness of protection, say industry experts. One year on from the campaign’s launch, commentators say the initiative’s greatest successes have been improving adviser engagement and bringing industry funding together. But others say the project has failed to ignite consumers’ interest in the way many […]


Ian McKenna: What must platforms do to survive?

So platforms are dead. Or are they? After 15 years of an almost unanimous view that platforms are the future, their obituaries have appeared overnight. The death of platforms is perhaps an exaggeration but they are in need of serious surgery. Most are in the intensive care unit and, indeed, some will not survive. It […]


Fund groups bet on banks in the search for income

With an interest rate hike looming and the regulatory shake-up experienced in the last decade complete UK banks are now set to be one of the best performing sectors for 2016, managers say. Financials are expected to be the strongest-performing sector in 2016 in terms of both profits and dividends, according to data gathered by […]


Neil Liversidge: The true victims of the advice gap

Citizens Advice recently published a report claiming almost half the UK’s adult population – 23 million people – would have taken financial advice at key moments of their life had it been on offer. It found a third would take advice on starting work or changing jobs, a quarter when buying a home and 37 […]