5 April 2018

Investment Uncovered: Brewin Dolphin on integrating advice and investment management

Brewin Dolphin group head of research Guy Foster explains how the company makes its investment decisions Do you take an in-house or outsourced approach to investment management? Historically, we are an investment firm, so the investment part of our proposition is central to what we do. Our clients benefit from financial advice integrated with investment […]

Ian McKenna: Protection innovation will be a boon for advisers

American peers have been reluctant to embrace ground-breaking technology Since protection technology provider iPipeline acquired Assureweb six years ago, its services have gone from strength to strength. In particular, its research and quote tool Solution Builder has won many fans. Last month, I got a preview of the next generation technology it is building at […]

Phil Wickenden: Building loyal clients is not all about brand

Far too many advertising and selling initiatives communicate a diatribe of product ‘features’, not offering much by way of distinctive value or any focused or truly compelling benefit. This is despite customers not wanting to be spammed with information about a product or service. They want to feel the connection with it. The point of […]


Malcolm Kerr: Current withdrawal strategies could leave clients penniless

The industry must find new ways to take care of all those swapping guaranteed income for the uncertainty of the market I attended a presentation entitled ‘Successful Withdrawal Strategies for UK Retirees’ the other day. It was pretty depressing. The first point made by presenter David Blanchett, Morningstar’s head of retirement research, related to Bengen’s […]


Profile: Clifton Asset Management on the ‘quiet crisis’ in Sipps

Clifton’s Adam Tavener on pension-led business funding and the crisis in the Sipp market There is a “quiet crisis” going on in the self-invested personal pension market, according to Clifton Group’s chairman Adam Tavener. Clifton specialises in providing services to SMEs through four business units – Sipp and small self-administered scheme subsidiary Morgan Lloyd; financial […]

Tony Wickenden: New tax year, new changes for your clients

A round-up of the key changes as we head into a new tax year This week I want to look at some of the areas clients will be asking about as we head into a new tax year. Income tax In the Budget last November, Chancellor Philip Hammond announced the personal allowance would rise by […]


Top tips ahead of CII R06 and AF5 exam sittings

Last-minute preparation for the next round starting on 16 April In order to complete the level 6 Advanced Diploma in Financial Planning, a student must pass the compulsory unit AF5: Financial Planning Process. Anyone that holds the level 4 Diploma in Regulated Financial Planning will already have passed R06: Financial Planning Practice. These exams do […]


Tracey Evans: How to talk to clients about mortality

Much has changed in the 30 years I have been in financial services. One of the major recent changes has been the pension freedoms, which came into force three years ago. In the ‘old days’, clients’ main choices were around what type of annuity they were going to buy at retirement with their money purchase […]