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“No. It is pretty barren out there but there are still some coming through.”

Peter Lawrenson, Peter Lawrenson & Co

“Yes. I have not sold a single Isa this season.”

Roger MacMillan, Roger MacMillan Independent Financial Services

“Yes. I blame the media for it.”

Nicholas Miles, Med-Ex Financial Advisory Services

“Yes. But I do not think that people have any confidence in the market at the moment both due to the war and the perfor-mance of many Isas.”

Brian Hatton, Hatton Financial Services

“Yes I would agree with that because mine are.”

Brian Hatfield, The Hatfield Financial Consultancy

“Yes, not far off. Normally, this time of year, I am running mad with Isas but this year I have only had one application through.”

Gabriel Louzado, Stirling Associates

“Yes. Investor confidence is well down at the mom-ent and people are simply too scared to invest.”

Ian Crooks, Ian A Crooks

“Yes, the Hargreaves Lansdown estimate does not surprise me. The man in the street still wants to keep his money in cash. I think that despite encour-aging people to go for the five-year horizon, Isa sales are still way down.”

Ian Stevenson,Steele & Co

“Well, business has never been better but, that said, I am about to retire. I do not think there really has been an Isa season, has there?”

Stephen Foster, Stanmore Financial Centre

yes 89%

no 11%


Outside Edge

Imagine if you had been the IFA who advised a deferred pensioner in the Allied Steel and Wire Pension Scheme to transfer out to a private arrangement shortly before the sponsoring employer of that scheme went into liquidation. I suspect you would be considered something of a hero by that particular customer. How many more […]

IFAs waiting for the war to end

Axa says nearly half of IFAs are advising investors to steer clear of the stockmarket until after the end of the war with Iraq.It found that 46 per cent of IFAs are telling clients to avoid investing until after the war. The research estimates that there are 15.5 million people are looking to save an […]

Firms responsible for staff complying with MCCB rules

There has been recent press comment over the MCCB annual renewal process, which is currently under way, and our monitoring arrangements as regards our fitness and competence requirements, including professional qualifications for mortgage advisers.These two areas have been erroneously interlinked and some comment has been made that we are not seeking proof of exam qualifications […]

Pru in talks to take on Equitable annuitants

Equitable Life and Prudential have held talks which could lead to the bulk transfer of all of Equitable&#39s beleaguered annuitants.In Equitable&#39s preliminary announcement out this week, the society accepts that individual with-profits transfers are faced with many legal, regulatory and practical hurdles.But it accepts that these problems could be dealt with through a bulk transfer […]


Guide: how to change your auto-enrolment support

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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