Gregg McClymont: Many of freedoms’ true challenges yet to surface

I sat open-mouthed in the House of Commons four years ago as George Osborne announced the end of a national retirement system based on annuities. Three years on from the law change, several trends are clear. First, overall we remain in what I call ‘Income Drawdown’s Phoney War’: as long as the vast majority of retirees […]


How to run a mid-sized advice firm

The world is a challenging place for a traditional one-man (or -woman) band Increased regulation and rising costs are leading to a growing number of mid-sized adviser firms. Sole trader and two-handed businesses are becoming rarer as changing rules and client demands present a greater challenge for smaller firms. Between compliance, technology and the implementation […]


Claire Trott: How Scottish tax reform impacts pensions

New income tax rates are causing discrepancies between pension schemes Changes to taxation in Scotland is having an impact on many cross-border issues, and pensions have not escaped unscathed. Not only are administrators having to record and report their Scottish members but we now have greater disparity on the tax relief front. Pensions and property […]


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