April 23, 2015

The financial advice sector has seen a great deal of change over the past few years and with a general election on the horizon, there's an element of uncertainty in the air. Yet while change is needed for the financial advice sector to evolve, there is a risk that if change is conducted too quickly or is disjointed then we end up focusing o...

April 9, 2015

 

 

The sunset clause for trail commission is possibly the final act of the Retail Distribution Review's (RDR) aim to get the advice sector on to a more professional footing. We know that from April 2016 trail commission from legacy business tied up on platforms will be switched off and advisers will lose this recurring income. So how are IFA...

March 26, 2015

One of the key takeaways of this year's Budget is that good financial advice is going to be crucial for pension planning, particularly for those clients likely to be caught by the reduction in the lifetime allowance from £1.25m to £1m as from April 2016.

 

While £1m may sound a large sum, it would still only provide an annual income of a...

March 24, 2015

 

While new pension freedoms have seen a surge in activity for many IFAs as clients assess their financial options in retirement, an additional impact has been the increase in automated advice services. So how concerned should IFAs be about this development?

 

Certainly going forward the opportunity lies in offering a variety of advice models...

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 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...

November 18, 2014

For almost 9 years Bradbury Hamilton has explored different service propositions to sit within the fee based model.  Over this time we’ve developed a structure which allows for fixed fee, hourly fee and percentage based charging depending on the type of work undertaken for our clients, it’s size and complexity.

 

But until recently, pricing t...

November 11, 2014

A company that has immense skill, know-how and expertise but has no way of packaging, presenting and promoting what it does will fail to attract clients. Irrespective of how good the business is at adding value, it’s all for nothing if nobody knows.

 

On the other hand, a company that promotes itself endlessly and attracts a wide audience, bu...

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