Financial planning, like any other people business, relies on communication and the power of the exact words you use should never be underestimated. The planning process affords many different opportunities to communicate with clients, both verbally and in writing. Some forms of communication you have complete control over (website, client brochures) while others have information […]
When Openwork chief executive Mark Duckworth speaks about the drop in adviser numbers since the late 1980s the figures sound astonishing: 285,000 advisers serving a UK population of 50 million in 1989, compared with 23,000 advisers available for 64 million people today. Put another way, there are currently around 200,000 consumers for every adviser when, […]
Labour will reintroduce a tax dropped by Government to fund its plans to abolish the bedroom tax.
There has been little change to annuity rates since the last update and this reflects the flat line trend for gilt yields at the moment. The benchmark 15-year gilt yield has remained just under 2 per cent so far in April. Unless yields increase, annuity rates will remain at present levels. In my recent paper […]
According to George Osborne “people like Isas – because they’re simple”. Fiona Tait is not convinced… Contributions & bonuses What he said: “From April 2017, anyone under the age of 40 will be able to open a Lifetime Isa and save up to £4,000 each year. And for every £4 you save, the Government will […]
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