31 March 2016

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RSMR: Fine tuning your product and platform due diligence

This year is already turning into one of the unexpected. Who would have expected Leicester City to win the Premier League title? Or that Donald Trump would be continuing his incomprehensible march towards the White House? Or that the FCA would release a due diligence paper one could read in less time it takes to drink […]

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Billy Burrows: Gut reactions blocking reasoned analysis on pension freedoms

It has been said before most decisions have both an analytical and emotional component, and getting the emotional part right makes the analysis easier. The emotional side of pensions has been seen clearly in the initial reactions to the freedoms, with the focus on taking pension pots as cash lump sums rather than income. While there may […]

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Alan Hughes: The FCA’s key messages on due diligence

In February, the FCA released Assessing Suitability: Research and Due Diligence of Products and Services. The paper is loosely themed around suitability but deals mainly with the role of research and due diligence in the assessment of it. As suitability is the cornerstone of both good advice and much of the FCA’s supervision of advisory […]

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Claire Trott: A Budget boost for Sipps and SSASs

As a result of the continued stockmarket volatility, savvy investors have spent the past few months looking for stable assets to invest in for the long term. Although it is true stockmarkets can be stable over the long term and looking at short-term volatility is not the way to think when investing for retirement, there is no doubt […]

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Carl Lamb: Have I sold my soul by abandoning independence?

It is now common knowledge I have signed an agreement that should lead to the acquisition of my firm by Standard Life’s financial planning arm 1825 . Real change is needed in our sector if we are to continue to meet the growing need for affordable advice. Over the past year I have taken a long, hard look […]

Is Osborne’s Lifetime Isa the shape of things to come?

In his recent “Budget for the next generation”, Chancellor George Osborne unveiled the Lifetime Isa as a more flexible way for younger people to save over the long term. Instead of choosing whether to save for a home or a pension, the Lifetime Isa has been pitched as a way for people under 40 to […]

Steve Webb: State pension review points to radical reform

The most surprising thing about the Government’s review of the state pension age was not the fact it is taking place but rather the variety of ingenious ideas for reform floated at the same time. The backdrop to the announcement is the 2014 Pension Act, which required there to be a review of the state pension […]