December 18, 2014

As adviser roles diminish and banks and insurance companies aren’t employing financial advisers, there’s much less opportunity for graduates to enter the IFA sector.  There are lots of costs associated with training graduates, but I believe there is a place for them and I think the best method of  getting graduates into the profession is th...

December 16, 2014

Pension Changes

Unsurprisingly the pension changes are the biggest to impact IFAs, their clients and potential clients  You can read more about the multitude of pension changes (link back to article) in my previous post, but here’s a summary of ways these changes can mean opportunity for advisers.


As you are aware the 55% tax charge applied...

December 11, 2014

With the new changes in pension rules leading to the increased flexibility in how pension pots can be taken at retirement, the government announced it will be offering Pension Guidance for anyone, free of charge.  When this was first announced, understandably it produced an awful lot of chatter around exactly who would be delivering this gu...

December 9, 2014

Businesses are rather like living organisms in that they adapt and evolve to fit the environment around them. To extend the analogy, successful businesses and species change with the environment and those that don’t eventually cease to exist.


For some types of advisory businesses, RDR was the equivalent of a meteorite, but there is still sc...

December 4, 2014

In my previous post I talked about the opportunities and the challenges facing IFAs in the next five years following the RDR and the end of legacy commission. Let’s continue the discussion in this post and focus on the technological changes that will be shaping the industry in the second half of the decade.


As I’ve mentioned the marketplace...

December 2, 2014

We work in a regulatory landscape transformed by RDR, and as with all such changes for some it’s too much change and for others it’s an opportunity.  There are going to be ways to capitalise on these changes and this post will explore what opportunities lie ahead for IFAs in the next five years.


You already know a lot of advisers left the s...

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