16 November 2017

The changing face of adviser CPD

We have seen a huge change in the qualifications landscape over the years. Not only have the exams themselves changed, so too has the provision of learning and development throughout financial services. When I sat my FPC exams back in the old days, I remember looking around for assistance so that I did not just […]


Nick Bamford: Pension freedoms have given clients control

When the pension freedoms were first introduced, I could not help thinking it was a clever device to accelerate the income tax take. Instead of waiting many years to take income tax against modest annuity income payments, the government could grab a larger handful straightaway. After a couple of years of reflection, I still think […]

Phil Deeks

Compliance tip: The right training to support vulnerable customers

The FCA’s focus on vulnerable customers shows no sign of abating, with its recently published Future Approach to Customers once again highlighting its expectations firms treat them fairly by providing a flexible and tailored response. But just as there is no ‘”one size fits all” definition of vulnerability, there is also no single way to […]

Why client journeys need to be easier

The value protection brings in terms of peace of mind far outweighs the cost. But it does not always outweigh inertia. For instance, relevant life policies (when you qualify for them, say, as a shareholding director of an SME) deliver that peace of mind at a tax-reduced cost with tax-free benefits. Tick. As an employer […]