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“Absolutely not. I am an IFA and I find them hard enough. The man in the street will not be capable of using them to the degree that he would need to be able to.” Leon Pownsey,Independent Financial Solutions

“No. They do not seem to have worked for stakeholder. People still need advice.” Anthony Malone, Healey Financial Services

“No, because the general public need to have financial products explained to them and, even if they do go through a decision tree, it only tells them they need a stakeholder product but not which company to go with.” Peter O&#39Neill, PT O&#39Neill IFA

“No. People are not going to use them anyway, so what is the point?” Timothy Race, Race & Co

“No. I can see them being as much use as decision trees for stakeholder pensions, which have been a complete waste of time as far as I am concerned.” Bob Marchant, Colin Garner & Co

“No. I just do not think they work. All they have to do is look at stakeholder pensions. They didn&#39t work for them so why would they work now?” Malcolm Purrell, Malcolm Purrell Financial Services

“Yes. As this is a limited advice situation, I think they could help a client decide what they want.” Chris Nuttall, Amethyst Financial Management

“No. They should be done through IFAs and done properly.” Roger Beety, Roger Beety Financial Services

Yes 12%

no 88%


You haven&#39t given trees a chance, says FSA&#39s Severn

Stakeholder pension decision trees cannot be written off as a failure just because most of the industry has chosen not to use them, according to the FSA.Writing in this week&#39s issue of Money Marketing, FSA head of retail projects David Severn says that although, “on the whole”, the industry has opted not to employ decision […]

Green Paper fails to recognise public distrust of annuities

Unfortunately, there is nothing in the Pensions Green Paper which is likely to make the slightest difference to the public&#39s ingrained distrust of and lack of confidence in private pensions.Whether or not Joe Public still believes that the state will look after him if he makes no provision of his own is another matter. If […]

Royal blues

May I suggest that Government plans to increase retirement ages past 65 is nothing new and is currently being put into practice by Royal & Sun Alliance.I am continually dealing with a client who has a small number of Royal & Sun Alliance pension plans which we have been trying to vest since September 9. […]

&#39Equity income is set for continued success&#39

New Star income fund manager Toby Thompson has hit back at claims that equity income funds are in a bubble, claiming the sector is likely to be successful for many years.Speaking at the Hargreaves Lansdown conference in Bath last week, higher-income manager Thompson dismissed suggestions that equity income funds would go the same way as […]


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