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Nobody expects the Spanish Inquisition

Paul Fidell, Head of Business Development (Investments), writes about one of the primary challenges for those involved in estate planning. He looks at dealing with investment uncertainty in these low growth, low inflation but still volatile investment conditions.

Protection of capital, to leave something for beneficiaries, is a fundamental objective of many people’s plans for their estate:

  • How best to find sufficient investment growth to support the multiple objectives that someone might have when estate planning
  • The impact of ‘pound cost ravaging’ when taking withdrawals is most acute when investment markets are volatile, as they have been, and are expected to be for some time
  • Planning for the unexpected is a crucial element of estate planning

“If you do not expect the unexpected you will not find it, for it is not to be reached by search or trail.”

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Lee Robertson

Lee Robertson: Lessons from our US counterparts

I often look beyond those I respect most here in the UK to other jurisdictions for further examples of good practice and financial planning insight. While not always an exact fit for how we operate, there is much to be learned from the challenges advisers face globally. After all, a client just about anywhere else […]

Prudential 480

Advisers warn on impact of life co strikes

Advisers have warned a spate of strikes at providers risks consumer detriment and will only add to already poor service. Prudential staff in Reading began industrial action yesterday over plans to move 81 annuity-related roles to Mumbai. Unite members voted for industrial action last week, which will see employees “not co-operate with or undertake any […]


PwC fined £2.3m over sub-prime lender audit failures

PricewaterhouseCoopers has been fined £2.3m by the Financial Reporting Council for mishandling the auditing of failed sub-prime lender Cattles and its subsidiary Welcome Financial Services. PwC audited the financial statements of Cattles and Welcome for 2007. The FPC has since carried out a disciplinary case about how PwC and the then audit engagement partner Simon […]


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