Insights, opinions and commentary on the issues that matter to Financial Advisers

Guest Spot: Assessing Suitability – Times are changing for retirement advice

27 July 2020

The six key themes of the FCA’s ‘Assessing Suitability Review II’ on how retirement income advice is being delivered – times are changing for retirement advice.

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Guest Spot: PROD & Productivity: some food for advisers’ thoughts

18 February 2020

Copia Capital kicked off 2020 with a series of seminars, meeting with advisers around the country as we endeavoured to explain, understand and interrogate the requirements under the Financial Conduct…

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Contingent Charging – Would a ban be the thin end of the wedge?

17 February 2020

As the ban on contingent charging for Defined Benefit transfers goes through the motions of consultancy with the FCA, it looks extremely likely that the ban will end up being…

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Guest Spot: Five Big ESG Themes for 2020 and the Funds to Capture Them

14 February 2020

In this Guest Spot we hear from Patrick Thomas, investment director and head of ESG investing at Canaccord Genuity Wealth Management. As well as outlining the five ESG themes for 2020,…

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Guest Spot: Designing Robust Portfolios

31 January 2020

In this Guest Spot, Henry Cobbe, Head of Copia Capital Management, discusses the key determinants of portfolio outcomes.

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Platform consolidation – is it over?

29 January 2020

Ever since platforms started operating in the adviser space in the UK around 2000, the big institutions have taken the stance that ‘you need deep pockets to play in this…

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Guest Spot: What should you look for in ESG investments?

8 January 2020

Don’t get greenwashed into poor investment decisions – Follow a credible ESG rating and do proper research. As I write, world leaders are gathered in Madrid, entering the second week…

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Does ESG investing impair performance?

12 December 2019

Ethical investing, socially responsible investing or ESG investing – the label changes but it’s been around for years and the sentiment is broadly the same, to invest your money in…

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Inheriting ISAs and the rules around ISA inheritance

12 December 2019

Now that Novia offers in-specie Additional Permitted Subscriptions it’s the perfect time to review the changes to the rules around ISA inheritance. Lifetime Allowance The Lifetime Allowance (LTA), currently set…

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Meeting the growing demand for ESG investing

11 December 2019

With more and more clients seeking to invest sustainably, how do you ensure that you can meet the demand?  Contrary to popular belief, it isn’t just the rising influence of…

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Monetary policy, election and Brexit

11 December 2019

Who holds the cards to win this important vote? In the last month, with the election and Brexit looming, the news has been flooded with details of manifestos, spending plans…

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Retirement Outcomes Review – improving engagement

10 December 2019

Are clients engaging with their pensions early enough? The FCA’s current “wake up” process, intended to get investors thinking about accessing their pensions benefits, is tied to an intended retirement…

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Triage: How to navigate the Advice Boundary

10 December 2019

Advice costs money…and so it should. Good quality advice is key to a client’s retirement planning, but will they see it that way when faced with an upfront cost? With…

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