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No rush to make D-Day decisions

Next week’s D-Day may have been dubbed depolarisation day but it does not have to stand for decision day.

Without what would have been the punitive defined-payment system, almost all advisers remain free to take their time to make up their minds about the future direction of their businesses. Some net-works and nationals will be promoting their multi-tie offerings and some providers will be working closely with distributors to find new ways to get their products to market.

L&G’s link with Bradford & Bingley is interesting but it is perhaps how the big high-street retailers react that will be the most fascinating aspect. One or two may take advantage of the regulatory change this time.

But whatever the banks do, Money Marketing believes that a strong adviser sector will continue to thrive and that a substantial proportion will remain indep-endent. It only asks readers weighing their options to check the fine print and for all those making grand depolarisation plans to remember the client and the customer.


Get the facts before joining a network

I have in the past five years had the misfortune to be a member of one national IFA and two networks. The national retained a ridiculously high percentage of gross income that it become prohibitive to be associated with them while the networks silently slipped into administration along with my money. I am now in […]

Definition of independence for mortgage broking

I wonder if you could help me? Until recently, I understood that the definition of independence when reading from your initial disclosure document was very simply under the regulation of the FSA and was: “We offer mortgages from the whole market”. However I am now confused as we are a registered introducer with Alliance & […]

Platform joins The Mortgage Alliance’s panel of mortgage lenders

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Responsibility Matters

The latest update from the Sustainable Investments Team at Royal London Asset Management, Responsibility Matters, is now available. In this edition the team look at issues such as the growing acceptance of sustainable investing and technology in China. Read the update here: The value of investments and the income from them is not guaranteed and […]


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