December 14, 2016

Political unrest has created unprecedented uncertainty within the financial markets.  The future landscape for investment and our pensions is unpredictable; so much hangs in the balance, change is inevitable but we don’t know when it will strike.

Many investors burned by the fall in interest rates and gilt yields following the EU Referendum...

December 13, 2016

It is a known fact that engaging younger generations in the task of saving for the future is essential but incredibly difficult.  This is the case despite the increasing proliferation of technology designed to do just that.

The latest figures from the Department for Work and Pensions show that three-quarters of the UK's employees are partici...

November 25, 2016

Joined-up thinking has presided in the FCA’s latest move to cap early exit fees on new pension contracts.  Barriers to pension freedoms are being removed for individuals aged 55 or older – also for the small minority with protected and early retirement ages.  It will now be a simpler decision for individuals to take advantage of the freedom...

November 23, 2016

With the Autumn Statement due on 23 November, the question we are all asking is will the Chancellor make changes to our pension tax relief?  Or, will he leave well alone?

We know Chancellor Philip Hammond needs to save money.  We also know that cutting pensions tax relief will not take money out of the economy in the short term.  Therefore,...

November 22, 2016

Proposals for pension reform continue to stir debate.  Since the Government announced it would be making a radical overhaul of pensions earlier this year, we have witnessed a steady stream of proposed initiatives. 

Mainly, they revolve around pension tax breaks, ISA-style pensions and annuities.  Debate and constant tweaking have led to...

November 17, 2016

Only a few weeks ago, it came to light that the Financial Conduct Authority (FCA) had found that unscrupulous providers were not informing customers of their fundamental right to shop on the open market, nor that they may qualify for enhanced rates.

Now, news is out that The Association of British Insurers (ABI) has stopped publishing its qu...

November 1, 2016

It seems that far from thinking of robo-advice as a one-dimensional ‘threat’, increasing numbers of financial planners worldwide are starting to regard robo-technology as complementary to their businesses. This is according to the results of recent research by the Financial Planning Standards Board (FPSB).

FPSB, is a nonprofit association pr...

October 25, 2016

It is dismal news that the FCA’s enforcement team has decided to extend its investigation of annuity providers because its research has revealed that some providers are failing to provide their clients with information which will help them secure more income in retirement. 

The FCA has found that a number of providers are not informing their...

October 13, 2016

The process of simplification and clarification within financial services is a positive one.  ‘Slimming down’ and streamlining how consumers access information about their personal finances is the only sensible way forwards. There is no room whatsoever in our sector for opaque communication.  After all, savers and investors are entitled to...

September 26, 2016

A fundamental of financial planning is the streamlining the information relating to our clients’ personal finances.  

For most people, planning ahead for retirement and making decisions relating to pensions form an essential part of this process.  It can also be the trickiest part of the financial plan to navigate.  

This is be...

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