29 October 2015

Why your marketing campaigns may be falling short

Marketing your services effectively is critical to attracting and retaining clients. If you feel your current marketing activities are not working as well as they should be, then it could be down to one of the following reasons: 1: Lack of commitment to sustained marketing efforts So many small businesses follow a stop-start marketing effort. […]


Chris Hannant: The challenges posed by Govt advice review

The Financial Advice Market Review is a big opportunity to get the right framework to enable people to get the financial help they need. We have met with the review team, the responsible minister and FCA acting chief executive Tracey McDermott to discuss what needs to change. We have debated with members whether it is […]


Scott Gallacher: Are you about to give your business away for free?

A retiring IFA recently sold his practice to a well-known national wealth manager. When it started undertaking its reviews of clients’ planning, one client was surprised enough to seek me out. I undertook my own review and concluded although his Isas and pensions (£450,000 overall) should be updated and refreshed, the basic structure was perfectly sound, […]


Ian McKenna: Embrace technology to boost auto-enrol advice

While most in the individual advice market are still trying to get to grips with what digital advice means for them, it appears many corporate firms have made a clear decision to embrace it. Automatic enrolment extending to small and micro businesses represents an excellent opportunity for all firms to incubate their digital advice propositions. […]


Richard Parkin: Taxing times ahead for pensions

The Government’s consultation on pension tax relief has now closed and the industry waits with baited breath to find out what the Chancellor will do next. It seems almost inevitable we will see some changes as the spend is just too big to go untouched in the current climate. What is clear is the decision […]

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Stephanie Flanders: The key questions hanging over markets

There have been plenty of bumps in financial markets over the past few months and, even with recent rallies, many portfolios show flat or negative returns since the start of the year. Understandably, investors have started to question whether the core assumptions that have guided their portfolios in the past few years will continue to […]

Profile: Stephen Gazard draws a line in the sand for troubled Sesame

Sesame Bankhall Group boss Stephen Gazard is determined to look forward. After guiding the business through a turbulent restructure that saw Sesame’s investment network shuttered, with advisers told to move to the firm’s directly authorised Bankhall option or relocate elsewhere, it is perhaps not surprising. Gazard admits parts of the firm’s journey since his arrival […]


Tom Baigrie: How to be a protection force for good

What do you call a group of protection intermediaries? Many Advisers For Independent Advice has a certain ring to it as an acronym but one should include non-advisers, and the tied, too – especially as some now do all three versions of intermediation. If only we could be as achingly cool as the team that […]


Mortgage lenders split over drawdown treatment

Lenders are split on how they treat annuities and income drawdown when assessing retirement income. Last week Money Marketing’s sister title, Mortgage Strategy, reported on concerns that the pension freedoms could make it even more difficult for older borrowers to qualify for a mortgage into retirement. This is because most lenders only take annuities into […]

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FCA sets sights on non-standard investment advice

The FCA has begun collecting information from Sipp providers in an attempt to identify which advisers are placing clients in non-standard investments. From September 2016, Sipp firms will have to hold capital based on assets under administration, with an additional allowance related to the proportion of non-standard assets held. An FCA spokeswoman confirms the regulator has this month […]