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 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...

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...

October 23, 2014

In this blog I’ve talked at length about the problems that IFAs and networks are facing as a result of the huge changes that RDR has brought about. The end of trail commission and the need for a strong service proposition and uniform charging structure has presented some firms with almost insurmountable challenges.


However, this is not to s...

August 28, 2014

Selling a financial advice business that you’ve built from scratch and developed over years and decades can throw up unexpected challenges, especially if you hadn’t intended to sell. The recent changes that RDR and the end of trail commission have brought to the industry have led many IFAs to consider selling their businesses, but many migh...

August 21, 2014

Every financial services business is built on trust, the more of it you have from the client the more successful your business will be, lose it, and it’s gone forever.


The essence of this precious commodity for any IFA network is consistency. Making sure that financial advice is uniform, coherent and reliable.


This seems obvious eno...

August 14, 2014

April 2016 represents a watershed moment for our profession, with the end of trail, or legacy commission planned. The consequences for many small firms might well be fatal, but there is still time to act.


It is eighteen months since the long and tortuous six year development process for the Retail Distribution Review came into effect, by th...

Please reload

Latest News

Sheriar Bradbury: Lead by example: Lessons from the UK election race

Recent Posts
Please reload

Please reload

Search By Tags
Please reload

Follow Us
  • Twitter Metallic
  • s-linkedin

Bradbury Hamilton Limited is authorised and regulated by the Financial Conduct Authority
© Bradbury Hamilton 2015. All Rights reserved


A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4 567