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Section guide

The countdown to A-Day is turning into a battleground of ideas between providers over what product is best for clients.

Nowhere is this more evident than in the row over section 32 contracts, with three of the most respected pension providers – Scottish Equitable, Standard Life and now Norwich Union wading into the debate with different points of view. Are s32s being overplayed as a solution for those in EPPs and other occupational money-purchase schemes? Advisers could not be blamed for feeling confused when even gurus cannot agree. Revenue & Customs and the FSA must give clear guidelines as to how advisers should be doing the job they have been set.


Ensure you tell PI firms

There has been much debate recently surrounding Shepherds Funds. IFAs may have missed one important point – that is, to notify your PI insurers that you have clients in these funds as soon as possible. This is especially true if you are coming up to renewal. In extreme cases, failure to do so could prompt […]

The laws of domicile

With regard to the recent feature on domicile, I think the panel of experts omitted one fact. It is not possible to be domiciled “in the UK” for most international purposes – the country is the United Kingdom which comprises Great Britain and Northern Ireland. Great Britain comprises two different jurisdictions (England/Wales and Scotland), while […]

‘Financial education should target young rather than adults’

A Government report is calling for finance to be embedded in school curriculum subjects but has ruled out the need for an urgent financial education programme for adults. According to a review conducted by Ecotec Research and Consulting on behalf of the Department for Work and Pensions, the non-compulsory status of financial education means that […]


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