Do not let clients forget about everything you can do for them in between your scheduled reviews The introduction of the RDR had a number of implications for advisers, one of the biggest being the ban on commission. The change necessitated a shift from a transactional to a service-based proposition delivered in return for a […]
The FCA has published a further consultation on how information on funds can be made clearer. In a highly anticipated policy statement published today, the FCA has set out the next steps to solve some key concerns it found within the investment industry following a widespread sector review. In July, the FCA released the findings of the […]
There are positive signs we will prepare people better for retirement in the future Last week, a relative of ours asked me to give “financial advice” to her daughter who has come into a sizeable – if not life changing – five-figure sum via an inheritance. After all the caveats about not being an adviser, […]
What do the Mifid II cost disclosure requirements mean for advisers? Since fund groups have had to start disclosing portfolio transaction costs as part of the Mifid II requirements, there has been considerable attention on how PTCs impact the total cost of ownership. However, what has been somewhat overlooked is the fact that these costs […]
As we approach the two-year milestone of auto-enrolment, employers have had the opportunity to truly assess the capabilities of their chosen support. They are also now realising that getting to the staging date was the easy part, and that support is required for almost every aspect of the day to day running of their scheme. With the three-year re-enrolment window coinciding for many with the total removal of commission and Active Member Discounts from pension-related products and services, as well as the introduction of the pension charge cap in April 2015, many employers will have no choice but to review their support options. But, what is involved in transitioning your auto-enrolment scheme away from your current support options? This guide from Johnson Fleming aims to outline some of these key areas and provide information and discussion points on what you need to consider.
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