December 1, 2004Depolarisation rules take force. Transition period beginsFirms wanting to depolarise must inform the FSADepolarised firms must implement all rules simultaneouslyJanuary 14, 2005FSA rules for general insurance and protection beginNew disclosure documents and statements of client needs and demands implementedAll firms must have procedures for referring complaintsJune 1, 2005Transition period ends. All firms must comply with new rulesIFAs must use menu and new initial disclosure documentIndependent firms must offer fee-based advice and provide whole-of-market service
Bristol & West Mortgages
Two Year 1.85% Discount
Bradford & Bingley commercial director Ian Darby is understood to be on gardening leave from B&B with the possibility of joining Charcol next year.
Hargreaves Lansdown chairman Peter Hargreaves is challenging the AITC to prove the results of its recent survey on performance fees.
Consumer group Which has slammed depolarisation as an expensive waste of time for customers. Which senior policy adviser Mick McAteer says the costs of bringing in the menu, which the FSA now estimates will at 28m a year for tied firms and 13m for independent firms, will inevitably be passed back to the customer. McAteer […]
Derek discusses a number of self-help stories as examples of where he is finding good opportunities in the UK With the FTSE trading at historically high levels, many investors have questioned whether UK equities continue to offer value. But, as Derek points out, the headline figures mask many opportunities at a sector level. He has […]
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The Work and Pensions select committee is launching a new inquiry into defined ambition pension schemes, which were legislated for but not fully implemented in 2015. The inquiry will consider whether collective defined contribution arrangements can give better outcomes than traditional DC plans, how they might be governed and whether seriously underfunded defined benefit schemes […]
Never forget that everything counts. Every aspect of your business says something about who you are, what you value and the kind of experience a client can expect to have should they choose to give you the time of day. Brochures, employees, products, packaging, wallpaper, flowers, absence of flowers – each small detail is communicating […]
Mick McAteer on being a ‘critical friend’ to the industry