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“Yes. I think IFAs want to simplify their lives with the complications of compliance and searching the market and so on. Many IFAs have their own panels anyway, so they would just be streamlining them.”

Pravin Bhatt, Bhatt & Associates

“I don&#39t know, I&#39m a small IFA and I&#39ll be staying independent. I plough my own furrow.”

David Crawford,David Crawford

“I do, but it won&#39t happen immediately. I think it will take a while.”

Craig Watson, Hathaway & Cope (Life & Pensions)

“Yes. I think the hidden agenda to get rid of us has been very successful. The small IFA is a dead duck. Big companies such as Zurich will be with us for many years to come, but I don&#39t hold out much hope for small practices.”

Andrew Gattward, Thameside IFAs

“No. Personally, I think pure independence is something that will still be valued by customers and advisers.”

Jonathan Grace,The Finance Clinic

“No. I think it will be very difficult for small IFAs to survive, but I wouldn&#39t want to go multi-tie myself.”

Owen Hoye,OPH Financial Consultants

“No. There will always be room for the independent adviser.”

Ian Pottinger, Independent Finance (Shetland)

“I don&#39t know. I think it is going to change, but as to what form it will take, I&#39m not sure.”

Rod Franklin, RM Franklin Financial Services

Yes 38%

No 38%

Maybe 24%


Finance Bill creates six pension regimes

The Government&#39s tax simplification project has created six different regimes rather than one says PricewaterhouseCoopers. Commenting on the publication of the Finance Bill last Thursday, PricewaterhouseCoopers says that rather than one regime, the rules create six – registered schemes, employer-financed retirement benefit schemes, overseas recognised schemes, overseas unrecognised schemes, Section 615 schemes and corresponding accepting […]

Independent view

I am not sure if this will blow any vestiges of credibility that I might have about claiming to be young any more, but I sometimes listen to Radio 4. On a Saturday morning from 9am-10am, there is a slot called Home Truths presented by the still-dead-cool John Peel. It is an hour&#39s worth of […]

SLI plays it safe

Scottish Life International has designed a capital-protected bond that has no fixed term. The safe combination bond invests in a combination of two capital-protected funds &#45 UK Protected Index 100 % fund and UK Protected Index 95% funds. These funds are linked to the performance of the FTSE 100 and offer different levels of return […]

Criticism focus is on WP rather than cash destroyers

With-profits policies have come in for much greater scrutiny and criticism than other types of product that have wiped out investors&#39 savings, according to Liverpool Victoria&#39s head of distribution Rye Mills. Mills said that products such as split-capital investment trusts and structured products have not had the same scrutiny despite the fact that many investors […]

Technology & Fear

By Ali Unwin, Chief Technology Officer & Manager of the Neptune Global Technology Fund Fear has always been a key ingredient for technological experimentation and adoption, and today is no different. But when and where are these fears justified? asks Ali Unwin, Chief Technology Officer and Manager of the Neptune Global Technology Fund  Click here […]


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