24 May 2018


Gregg McClymont: Expect big change on pensions

Crystal ball gazing is not recommended. Best left to astrologists and their followers. But a reader asked me a question recently which caught me short: what happens from a regulatory perspective when hundreds of thousands of people with little or no investment experience start retiring each year on defined contribution-only pensions and move into drawdown? […]

Profile: Goldsmith Financial solutions founder on righting the wrongs in investment charges

Putting the client first is a mantra for many advisers who take pride in providing quality service and value for money. For IFA firm Goldsmith Financial Solutions founder Hannah Goldsmith, this has meant refusing to play ball with investment groups that would charge her clients more in fees than the returns they would receive. “How much does it […]

Tony Wickenden: Turning IHT anger into planning opportunities

Anger and fear will often spur a desire to take action, and advisers must be on hand to help The amount of revenue that the government raises from inheritance tax continues to rise year on year, with the latest figures from HM Revenue & Customs  putting the yield at £5.2bn. A substantial number, you may […]


Malcolm Kerr: The keys to high standards

Building a culture of high standards is crucial for business success. Take it from one of the world’s most successful companies This time last year, I wrote about Amazon chief executive Jeff Bezos’s letter to the firm’s shareholders. It focused on his belief businesses need to treat every day as “day one”. He wrote: “Hold on to day […]

Jason Butler: The real reasons people take professional advice

Since I ceased operation as a practising financial planner almost three years ago, I have spent a lot of time researching the type of help and advice people need with their finances. While online tools can help, there are many situations when a person needs an individual and tailored approach from a human adviser. But […]


Finding the right outsourced DB transfer specialist

Outsourced transfer advice is under scrutiny by the FCA. What is the safest solution for your firm and your clients?  Soaring demand for defined benefit transfer advice has stretched adviser capacity to the max. And with over six million private sector DB members yet to retire, it is not going away any time soon. Even if […]


Has pensions cold calling ban been worth waiting for?

The pensions cold calling ban has been a long time coming, but does it go far enough in protecting people from scams? If something is worth having, it is worth waiting for, so the saying goes. The ban on pensions cold calling is finally set to take effect from June, having reached the statute books this […]

Tim Sargisson: The answer to increased costs and reduced resources

Putting the right people in the right positions with the right training is the single most important thing a chief executive can do. With the right team, everything is possible. For advice firms, the right team will include qualified advisers, as well as paraplanners and administrators to provide support. However, margin pressure is now building […]