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Eyes On The Prize (but mind the gaps)

Jul 30, 2014 No Comments by
Avatar of Phil Ralli

Not a day goes by in this industry that we’re not subjected to another ‘gap’: The savings gap, the protection gap, the knowledge gap, the trust gap, the transparency gap. We now have another one to add to the list. The expectation gap! It’s a wonder any of us gets any business done from minding […]

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Insource or outsource? Who’d be an adviser?

Jul 29, 2014 7 Comments by
Avatar of Clive Waller

I am not an adviser; I do not want to be an adviser; quite frankly, I haven’t got the balls to be an adviser. Pre-FSA 1986, I ran a nicely profitable consultancy, largely in group pensions with some individual work. My last transaction was investing a six-figure sum in equities hours before the ’87 crash. […]

Opinion Read more

Without WHY it’s a Value Trap

Jul 28, 2014 No Comments by
Avatar of Timothy Ng

Quick one today. Many businesses fall into the “value trap”, constantly looking to ensure that everything they do provides value. In some cases they become so blinkered that looking for value is the be and end all. Now you might think that this should be a sure fire way to improve your business but it […]

Business, Opinion Read more

Bookshelves, Hollywood and the mystery of adviser placebo.

Jul 27, 2014 No Comments
Avatar of Chris Daems

The bookshelf in my home office tells a strange story It’s fair to say that among the social psychology tomes, crime fiction and financially related publications you’ll find a pretty mixed bag! In there I’ve got a book about two blokes in a caravan touring the UK trying niche sports (my personal favourite – shin […]

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How far should you go in trying to be kind to your staff?

Jul 24, 2014 4 Comments
Avatar of Brett Davidson

Staffing Issues: Are You Killing Them With Kindness? I seem to be have been talking to lots of firms about staffing issues lately, hence the topic of this week’s article. Most small firms are keen to foster a friendly or family culture if they can. Anyone who has worked in a large corporate environment may be […]

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Mention of apprehension and contention over prevention in the pension reinvention

Jul 23, 2014 No Comments
Avatar of Jamie Jenkins

Budget 2014 came to life this week with the publication of HM Treasury’s papers on 21st July. Overall, this is very good news for savers. However – although broadly welcomed – the ‘pension reinvention’ has received a few mentions of apprehension. You’ll probably be aware of most of the key points, but there are two […]

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When The Levy Breaks

Jul 22, 2014 6 Comments
Avatar of Chris Budd

I have a serious suggestion to make that, if adopted across the adviser community, could make a real difference to how the public perceive financial planning firms. As you will undoubtedly have seen, George Osborne’s idea for retirees to have access to “free and impartial guidance” is to be provided by ‘independent organisations‘. And who […]

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Would you bet your pension on GGs?

Jul 22, 2014 No Comments
Avatar of Dave McGovern

A woeful attempt at a pun, sorry. I reckon most people reading this blog will have read both the Treasury and FCA paper around guidance, tax changes and DB to DC transfers. If not you should, after all you will be funding about a 1/3rd of it. A blog for another day. Instead I’ll focus […]

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Change is constant

Jul 15, 2014 2 Comments
Avatar of Timothy Ng

You’ve heard people say – Change is coming! the only constant in business is change. It is no longer a given that all change and transformation is driven by the IT departments in our businesses any longer, isolating IT is like cutting off your nose to spite your face. IT budgets and change are moving […]

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