Since the pension ‘simplification’ in 2006, the tax benefits of all types of pension scheme have been limited by the same two allowances: the Annual Allowance (the belt) and the…
Read moreOn January 15, the FCA put their defined benefit advice assessment tool (DBAAT) out into the public domain. Up until this date, the weighty Excel spreadsheet had been used behind…
Read moreIt could be argued that the art of distraction, the practice of moving someone’s attention away from what they should really be focused on, has become more prevalent in some…
Read moreDelivering a reliable income stream from a diversified portfolio over an unknown period of time has, rightly, been described by William Sharpe as “the nastiest, hardest problem in finance” and…
Read moreCreating and managing a regular flow of ‘income’ from a diversified portfolio has been described by Bill Sharpe (he of ‘Sharpe Ratio’ fame) as the “nastiest, hardest problem in finance” Balancing three key moving parts in the retirement equation – longevity, inflation and investment returns – and achieving the optimal journey for the retiree, is something that has occupied some extremely bright minds for a few decades now.
Read moreThe 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.
Read moreThe regulator has published its awaited policy statement PS20/6 and a number of changes are to be implemented later this year. What are the new rules that will ban contingent…
Read moreKeith Furniss explains the future direction of travel in the area of Defined Benefit transfers and what guidance there has been so far.
Read moreIn this Guest Spot Adrian Boulding, Chief Innovation Officer of technology provider Spire Platform Solutions considers the case for “switching” in retirement cases.
Read moreAs 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…
Read moreAre 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…
Read moreThe FCA has said that as well as looking at how the market has evolved since RDR and FAMR, it’s important that the sector works well in the future; that…
Read moreWhat are your plans to ensure your clients don’t run out of money in retirement? It is widely accepted that many clients are faced with different social challenges as retirement…
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