October 2018


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  • Cashflow modelling – why we think it’s key

    11 October 2018

    The retirement income world has changed, throwing financial planning a few curved balls, says Jamie Evans, business development manager, Seven Investment Management Three years ago, planning for your client’s retirement got a lot more interesting, but also more difficult. Pension freedoms meant that annuities no longer needed to be the only choice for most...

  • Balancing retirement income and wealth legacy options

    9 October 2018

    Peter Hopkins, technical director at AJ Bell, looks at the practical issues with which retirees now have to contend and the options they have when it comes to balancing the taking of income and leaving wealth to their beneficiaries. Since 2015, the temptation for some people to plunder their pension savings has become greater, especially when over 55...

  • Pensions Dashboard will enable Open Pensions, says Origo

    9 October 2018

    The proposed Pensions Dashboard architecture will enable the financial services industry to deliver Open Pensions for the UK consumer, says Origo. The Fintech has published a paper, Pensions Dashboard to Open Pension’, in which it lays out how the proposals for a Pensions Dashboard architecture will introduce “the firm foundations required for the development of an...

  • Brexit survey shows action on cold calling tops govt initiatives for advisers

    4 October 2018

    Nearly two thirds of advisers would like to see the government press ahead with a ban on pensions cold calling, results from a new Brexit survey have shown. With just six months to go until Brexit day, pensions giant Aegon surveyed advisers on the initiatives they would like to see the government prioritise following...

  • HMRC tax take from Lifetime and Annual allowances soaring

    1 October 2018

    The amount of tax raised from those exceeding the Lifetime Allowance has soared to £102m in 2016/17 from just £5m in 2006/07, figures released by HM Revenue & Customs show. Most of the increase has taken place since 2012, when the government started cutting the Lifetime Allowance. The allowance was nearly halved from a peak...

  • The double-edged sword of longevity

    30 September 2018

    People are routinely underestimate how long they might live, creating a very real risk that they could outlive their retirement funds altogether, notes Rathbones’ head of sales support James Goward. If you’re looking for somewhere to enjoy a long retirement, you could do worse than upping sticks to one of the world’s “Blue Zones”....

  • Life expectancy plateau has planning implications

    25 September 2018

    Life expectancy has stalled for the first time on record, the latest government statistics have shown, with potential implications for financial planning and government changes to the State Pension Age.  Data from the Office for National Statistics shows that females born between 2015 and 2017 have an average life expectancy of 82.9 years old, while male life...

  • Policy paper aims to improving pension scheme information provided to adviser firms

    20 September 2018

    Mutual insurer Royal London and pension lawyers Eversheds Sutherland have produced a defined benefit transfer policy paper aimed at helping pension scheme trustees improve upon the information they provide to adviser firms. The paper explores whether trustees should be offering transfer values as part of routine communications, regardless of whether members have requested it,...