Featured Bloggers
  • Walls come tumbling down by David Ferguson

    Walls come tumbling down by David Ferguson

    Walls come tumbling down by David Ferguson In addition to the remarkable commercial changes occurring in our sector, retail financial services is also awash with regulator-led changes. While at least partly in line with earlier FSA work, last week's news was dominated by two massive issues: post-2012 treatment of legacy commission and the possibility of fund manager rebate ban being extended to life company products. Now, at the consumer-level this ...

    Read More

  • Delay/Don’t delay – an auto-enrolment divergence of views by John Lappin

    Delay/Don’t delay – an auto-enrolment divergence of views by John Lappin

    Delay/Don’t delay – an auto-enrolment divergence of views Today the Money Debate brings you two sides of a debate. Here is Jelf’s head of benefits strategy Steve Herbert. We’ll do the full quote - “It has become evident in recent months that the economic environment is exceptionally bad, and possibly the worst scenario for more than a century. Auto-enrolment will add extra costs and duties to already hard-pressed employers, at a time when they can least ...

    Read More

  • Why Do Financial Planners Keep Delivering Written Plans If No One Reads Them?

    Why Do Financial Planners Keep Delivering Written Plans If No One Reads Them?

    By Michael Kitces - Kitces.com A core aspect of the financial planning process for many planners is not just the analysis and development of recommendations for clients, but the embodiment of that work into a written financial plan document. In the plan presentation meeting itself, some planners use this written document as a guide to walk the client through the analysis and recommendations, although many simply focus on key ...

    Read More

  • Resilience and the incredible power of slow change by Seth Godin

    Resilience and the incredible power of slow change by Seth Godin

    Most existing systems (organizations, cities, careers, governments) are resilient to external shocks. If they weren't, they wouldn't still be here. Earthquakes, edicts and emergencies come and they go, but the systems remain. And yet, it's the emergencies we pay attention to. No single event demolished the music business. It was a series of slow changes over the course of two decades, all the way back to the CD. Smoking killed far ...

    Read More

  • What the Hell is Quantitative Easing?

    What the Hell is Quantitative Easing?

    What the Hell is Quantitative Easing? - What the Hell is Quantitative Easing? - By IFABlogger - My take on QE - Quantitative Easing - You dont get an interest rate from a gilt its a Yield. My mistake on that one. I have the Flu which is why I look ill. : 0 )

    Read More

  • T is for the Trouble with austerity….

    T is for the Trouble with austerity….

    T is for the Trouble with austerity… September 20th, 2011 posted by: Andy Golding Today I had lunch with Andrew Ellson the personal finance editor at the Times. Clearly both of us could wax lyrical about the economy for hours, exchanging sometimes similar and sometimes differing views on the fragility of the UK economy, the mess that is currently Europe and not forgetting the USA, who usually keen to lead ...

    Read More

Walls come tumbling down by David Ferguson

Sun, 27 Nov 2011 | Published in IFA Blog, IFA Marketing
david-ferguson-nucleus

Walls come tumbling down by David Ferguson In addition to the remarkable commercial changes occurring in our sector, retail financial services is also awash with regulator-led changes. While at least partly in line with earlier FSA work, last week’s news was dominated by two massive issues: post-2012 treatment of legacy commission and the possibility of fund manager rebate ban being extended to life company products. Now, at the consumer-level this all sounds pretty technical/boring/inward-looking but [...]

No Comments | Read More »

Delay/Don’t delay – an auto-enrolment divergence of views by John Lappin

| Published in IFA Blog, IFA Marketing
UBS_Offices_(299_Park_Avenue)_02

Delay/Don’t delay – an auto-enrolment divergence of views Today the Money Debate brings you two sides of a debate. Here is Jelf’s head of benefits strategy Steve Herbert. We’ll do the full quote - “It has become evident in recent months that the economic environment is exceptionally bad, and possibly the worst scenario for more than a century. Auto-enrolment will add extra costs and duties to already hard-pressed employers, at a time when they can least withstand such extra burdens. “But [...]

No Comments | Read More »

Why Do Financial Planners Keep Delivering Written Plans If No One Reads Them?

Wed, 2 Nov 2011 | Published in IFA, IFA Blog, ParaPlanner, RDR
money

By Michael Kitces – Kitces.com A core aspect of the financial planning process for many planners is not just the analysis and development of recommendations for clients, but the embodiment of that work into a written financial plan document. In the plan presentation meeting itself, some planners use this written document as a guide to walk the client through the analysis and recommendations, although many simply focus on key recommendations and points for the client [...]

No Comments | Read More »

Fee-Only Financial Advice Gaining Ground in Germany

Tue, 1 Nov 2011 | Published in Banks, Blogging, Branding, RDR
hidden-fees

New laws and regulations within various countries in Europe and across the EU as a whole are preparing the ground for the advance of fee-only financial advice in Europe. The most prominent example is probably the UK where independent advisers will have to charge their clients directly by 2012. However, according to a recent report of MyPrivateBanking Research fee-only advice is also gaining ground in Germany. The independent research company surveyed 300 wealthy individuals in [...]

No Comments | Read More »

IFAs should not have recommended Arch Cru, but I’m not sure they should pay by John Lappin

Mon, 31 Oct 2011 | Published in Blogging, FSA, IFA, IFA Blog
Screen shot 2011-10-31 at 08.29.18

IFAs should not have touched Arch Cru with a barge pole. I think this is demonstrated by this quote from consultant Phil Billingham in Money Marketing in August 2008 on the back of HL’s Mark Dampier raising liquidity concerns in, I think, the Telegraph. The report led page 2. Should have been on the front. That is my fault. However for your information here’s the quote. Perception Support director Phil Billingham said: “IFAs owe a duty of [...]

No Comments | Read More »

Most existing systems (organizations, cities, careers, governments) are resilient to external shocks. If they weren’t, they wouldn’t still be here. Earthquakes, edicts and emergencies come and they go, but the systems remain. And yet, it’s the emergencies we pay attention to. No single event demolished the music business. It was a series of slow changes over the course of two decades, all the way back to the CD. Smoking killed far more people than terrorists [...]

Read More »

T is for the Trouble with austerity… September 20th, 2011 posted by: Andy Golding Today I had lunch with Andrew Ellson the personal finance editor at the Times. Clearly both of us could wax lyrical about the economy for hours, exchanging sometimes similar and sometimes differing views on the fragility of the UK economy, the mess that is currently Europe and not forgetting the USA, who usually keen to lead are struggling to pull themselves [...]

Read More »

What the Hell is Quantitative Easing? - What the Hell is Quantitative Easing? – By IFABlogger – My take on QE – Quantitative Easing – You dont get an interest rate from a gilt its a Yield. My mistake on that one. I have the Flu which is why I look ill. : 0 )

Read More »

Is Twisselling * really possible? By John Lappin – The Money Debate Should the FSA be worried about Twitter and the retail market? Can you missell or more appropriately mismarket in 140 characters? I accept you could suggest ‘Here is an interesting mortgage rate’. Sorry but to my mind that’s harmless, useful even.  ‘Here is the latest tranche of a structured product.’ I don’t like those as much but that is because we all know [...]

Read More »

With respect Roderic it’s not about respect by John Lappin Is you disrespectin’ other IFAs if you haven’t passed your exams on time and ask for a delay? No. Didn’t think you’d think so. Ok a delay to the RDR would be annoying to everyone who has passed the darn thing. But would a delay be a matter of respect as Roderic Rennison seems to argue at an FA roadshow this week? Here’s the quote: “I don’t agree with [...]

Read More »

Investment Sense launch SIPP Zone We are delighted to announce that September will see the launch of SIPP Zone on the Investment Sense website. We believe SIPP Zone is a truly exciting development for SIPP investors which will become invaluable in the decision making process. SIPPs are becoming more and more popular with our clients. The Best Buy Table for ‘SIPPable’ deposit accounts is one of the most popular pages on our website and we [...]

Read More »
  1. Not used
  2. 1
  3. 2
  4. 3
  5. 4
  6. 5
  7. 6
  8. 7
  9. ...
  10. 23