19 January 2017


Ian McKenna: Advisers need to ramp up their data security

One of the stark differences between adviser conferences in the UK and the US is the amount of content on data security. No US event is complete without several sessions on it but here such discussions are conspicuous by their absence. I expect this to change significantly this year. By 25 May 2018, all businesses […]


Claire Trott: Cashing in on intergenerational planning opportunities

Since 2015, there has been a great deal of discussion about consumers cashing in their pensions and living on the bread line throughout retirement. This may well be the case for those with smaller pots but those that have saved significant amounts both in and outside their pensions will be looking at the funds in […]

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How will automated advice impact recruitment?

The industry is constantly discussing the implications of automated advice but one area that has not had much attention is the potential impact it could have on adviser recruitment. Intelliflo’s recent white paper, Growing Your Financial Advice Business – the Hybrid Model, sheds some light on this. The report says many advice firms are finding […]


Mark Dampier: I don’t agree with the prophets of doom

No one can be sure what lies ahead, yet the beginning of the year is always littered with forecasts. I find these predictions often provide clues as to what not to expect. If a trend appears in the papers I habitually make an effort to take the opposite view. The early days of 2017 look […]


Is the FCA’s approach to phoenix firms on the right track?

The issue of phoenixing has attracted coverage in recent months, with ex-FCA technical specialist Rory Percival commenting it was “a nuclear option not allowing somebody to start up a new firm”. I would agree with that view. The more difficult question is in what circumstances that nuclear option is appropriate. Searching the FCA website for […]


How to reach your adviser exam goals

A new year always feels like a fresh start. We hit the ground running with numerous plans, many of which include becoming more qualified. Give it a few weeks, though, and the novelty starts wearing off. Perhaps the thought of sitting more exams to achieve chartered status loses its shine. Or the arrival of a thumping […]

Tony Wickenden: A targeted solution to part surrenders and assignments

Last week I considered the background to the consultation and resulting draft Finance Bill clauses on the taxation of part surrenders and assignments under life assurance policies. Following cases where the chargeable event gain arising on a large part surrender was disproportionate to the economic gain in the policy, the Association of British Insurers issued […]


Under the bonnet of fund research agencies: Defaqto

This week we begin a series profiling the main UK fund research agencies, kicking off with Defaqto. Platforum research shows 24 per cent of advisers using such agencies use Defaqto, making it the fourth most popular. The research also finds Defaqto users typically use FE and Morningstar too. The number of advisers relying on one […]


Kim North: Why the DB transfer rules need rewriting

The new year brings with it a determination to set goals and adopt resolutions. Sorting out finances is a popular one. Indeed, Unbiased.co.uk reported a 57 per cent increase in the number of visitors to its “find an adviser” tool at the start of January. Pensions, in particular, are high up on the list of […]