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Author: Phil Billingham

Opinion 

TINSTAAFL

January 15, 2014August 14, 2018 Phil Billingham209 Views 2 Comments financial advice and charges min read

 Buy cheap, buy twice  You get what you pay for’  What’s the catch? Our language is full of little homilies

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Business Opinion 

Welcome to the Revolution

January 8, 2014August 14, 2018 Phil Billingham192 Views 3 Comments min read

A wiser man than I said that “Advisers need funds, insurance plans, platforms and many other products…. Being brutal, I

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Business Opinion 

The art of Slow Planning

October 17, 2013August 13, 2018 Phil Billingham255 Views 2 Comments min read

We live in a world of speed. Instant gratification. Overnight delivery from Amazon Prime. High speed rail links. Downloadable books.

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Opinion 

Lies, Damned Lies and the Financial Press

September 20, 2013August 13, 2018 Phil Billingham181 Views 0 Comments min read

David Prosser’s poorly written and researched article has – rightly – caused a deal of debate, and drawn fairly negative

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Opinion 

Do we still need TCF?

August 30, 2013August 13, 2018 Phil Billingham184 Views 10 Comments min read

Let me tell you a story. For me, it captures why we need a rule that tells Banks in particular

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Business 

The Value of Relationships

August 26, 2013August 13, 2018 Phil Billingham184 Views 0 Comments min read

It’s become a bit of a Cliché. Every survey tells us that clients value their relationship with us. But some

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Business 

Just FAB dear, Groovy…

April 21, 2013August 7, 2018 Phil Billingham188 Views 6 Comments min read

There will some of you out there old enough to remember this. No, not the sixties, but FAB. Feature, Advantage,

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Opinion 

I heard it from a friend who heard it from a friend who heard from another……..

March 21, 2013 Phil Billingham215 Views 8 Comments min read

The FSA don’t like …….” “The FSA want you to….” “The FSA are trying to close down all IFAs” I

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Opinion 

The right number of advisers?

March 7, 2013August 7, 2018 Phil Billingham202 Views 10 Comments min read

One common theme in discussions about RDR is around the number of Advisers. Or Independent Advisers. Or Registered Individuals. But

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