6 April 2017

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Should advisers be considering Qrops for clients?

Are Qrops worth looking at? The Budget stirred things up with its proposal to impose a 25 per cent tax charge on certain transfers to schemes based outside the European Economic Area. Here is a checklist to help you to decide whether you should consider them for your clients: Qrops are specialist pension products. Is […]

Danby Bloch

Profile: Danby Bloch on taking time to build the advice profession

Helm Godfrey chairman and Money Marketing columnist Danby Bloch is mystified as to why there are not more female advisers in the industry. Bloch says: “At Helm Godfrey the most successful adviser is a woman. There’s a flexibility that should attract as many women as men but there aren’t that many. It’s a pity, but […]

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Lisa Webster: Coping with the MPAA mess

Chancellor Philip Hammond’s one and only Spring Budget will be most remembered for the aftermath that resulted in his U-turn on National Insurance contributions. Much of the pensions industry was disappointed this was the only U-turn we saw considering the decision announced to plough on with the reduction of the money purchase annual allowance from […]

Under the bonnet of fund research agencies: RSMR

RSMR defines itself as an adviser-centric research agency. We agree with that view but also think it has yet to reach its full potential. Established in 2004, RSMR is now the fifth most influential research agency among advisers, according to our report The Influence of Research Agencies. The proportion of advisers using RSMR has increased […]

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Nick Bamford: The value of advice is all in the plan

One of the delights of the job that we do is to hear about the plans our clients have for their future. For example, two of ours have decided to kick off their retirement by travelling around Europe for a year, and have purchased a very smart, actually quite luxurious, motor home in which to […]

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Stephen Womack: Will it be a Happy New Tax Year?

Do not make the mistake of thinking you have time to pause for breath. After the rush of last- minute questions, applications, pension top-ups and Isa reshuffles, tax year 2016/17 is now history. Yesterday, we bid a cautious welcome to tax year 2017/18, which will bring with it fresh challenges, new numbers to commit to […]

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Paul Lewis: Why I don’t believe in tax ‘burdens’

The tax burden. I was thinking about it the other day as I drove along the M25: a road which was, of course, built out of the tax burden. A year ago, I had an eye operation. That was paid for from the tax burden. My grandchildren go to various schools all funded (or underfunded) […]

Who are constant platform changes really helping?

There has been a raft of tweaks and wholesale changes to platform charging structures over recent months. Ascentric, James Hay and Transact have either scrapped, reduced or amended charging models in the last month alone. We are also yet to see how platform fees will shake out for Standard Life/Elevate (and for that matter Parmenion, […]