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You searched for the term PROD MiFID II FCA regulation Your search returned the following 40 results...
 
  • PROD version 2020 - Royal London for advisers

    PROD version 2020 Ryan Medlock 9 April 2020 Share Share When PROD was implemented in January 2018, no one could have predicted the investment landscape that we currently find ourselves in two years on. The same can also be said about the challenges facing advisers in implementing a robust and compliant PROD process. It seems an...

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  • Responsible investment and regulation - Royal London for advisers

    Responsible investment and regulation 15 July 2021 Listen to Fiona Hanrahan and Ryan Medlock in our latest podcast as they discuss Responsible investment and the impact that regulation has had on this to date. Fiona Hanrahan and Ryan Medlock from our Intermediary Development and technical team cover what primary regulatory drive...

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  • Understanding PROD - Royal London for advisers

    Designing a compliant and robust PROD process 19 February 2020 Share Share Follow our simple steps to help you design your PROD process and take a look at the material we’ve created to support you. Understanding PROD Introduced in January 2018, the FCA’s Product Intervention and Product Governance Sourcebook (PROD) rules aim to...

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  • The conundrum of the 10% drop rule - Royal London for advisers

    The conundrum of the 10% drop rule Ryan Medlock 26 March 2020 Share Share Covid-19 completely dominates the global news agenda right now. The uncertainty it has created in stock markets is unprecedented and businesses have felt some of the heaviest daily losses in over three decades. It’s also responsible for triggering one of M...

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  • De(CIP)hering CRPs - Royal London for advisers

    De(CIP)hering CRPs Ryan Medlock 25 September 2020 Share Share I’ve heard plenty of people dismiss CRPs as just a fancy term for decumulation CIPs, but there’s a lot more than just clever marketing to the latest retirement buzz term. We all know that the decumulation phase of retirement planning is very different to the accumulat...

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  • The rise (and expected rise) of CRPs - Royal London for advisers

    The rise (and expected rise) of CRPs Ryan Medlock 6 April 2021 Share Share Whether you believe that this is just another marketing-infused acronym or the platform to provide robust retirement planning advice, there’s no denying that adviser usage of CRPs is now starting to surge. To date, adviser interest in adopting a CRP appro...

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  • 7 Pension switching opportunities - Royal London for advisers

    7 Pension switching opportunities 13 May 2021 The current market has brought real opportunities to discuss pension switching with your clients. While market volatility may have made clients reticent about switching or consolidating pensions in the past, they may now be more agreeable. Perhaps their existing plans might be perfor...

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  • Now is the time to review your drawdown advice process - Royal London for advisers

    Now is the time to review your drawdown advice process Ryan Medlock 23 March 2021 Share Share Our Senior Investment Development and Technical Manager, Ryan Medlock looks at the impact of the last 12 months on income sustainability and considers whether this has brought adviser processes around drawdown advice into sharper focus.

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  • Thinking Beyond the FCA’s new Consumer Duty - Royal London for advisers

    Thinking beyond the FCA’s new Consumer Duty 9 July 2021 The FCA’s consultation on a new Consumer Duty comes after several years of debate and deliberation. It stops short of imposing a fiduciary duty on financial services firms, but certainly raises expectations in how we should think about customers. The paper proposes that we...

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  • A closer look at consultation paper CP19/25 - Royal London for advisers

    A closer look at consultation paper CP19/25 Justin Corliss 23 August 2019 Share Share Justin Corliss, Senior Business Development Manager at Royal London, reports on the proposed changes in the FCA's recent consultation paper about pension transfers and contingent charging. On 30 July 2019, the FCA released consultation paper (C...

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  • Coronavirus scams - how to spot and avoid them - Royal London for advisers

    Coronavirus scams - how to spot and avoid them 30 April 2020 Share Share There’s been a worrying increase in the number of scams since the Coronavirus pandemic. Read our tips on how to help your clients spot and avoid them. Scammers are always coming up with new ways to trick people - so increasing fears over Coronavirus is givi...

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  • Thinking Beyond the FCA’s new Consumer Duty - Royal London for advisers

    Thinking Beyond the FCA’s new Consumer Duty 29 October 2021 The FCA’s proposals on a new Consumer Duty come after several years of debate and deliberation. It stops short of imposing a fiduciary duty on financial services firms, but certainly raises expectations in how we should think about customers. It proposes that we need to...

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  • Retirement Outcomes Review phase 3 – a reminder of what’s coming up in February 2021 - Royal London for advisers

    Retirement Outcomes Review phase 3 - a reminder of what’s coming up in February 2021 25 November 2020 The FCA published policy statement PS19/21 in January 2019, setting out phase 3 of their plan to tackle some of the issues they’ve identified in the retirement market. Phase 3 of this Retirement Outcomes Review focuses on:   FCA...

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  • Retirement Outcomes Review – Part 1 of 2 - Royal London for advisers

    Retirement Outcomes Review - part 1 Robin Nimmo 28 May 2019 The FCA published policy statement PS19/1 at the end of January 2019 detailing the first part of its package of remedies to address the issues they identified in the retirement market. Here we take a look at what the main changes are. Wake up packs The FCA is making cha...

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  • Pension switching opportunities - Royal London for advisers

    Pension switching opportunities 28 May 2021 In our latest podcast, Craig Muir and Justin Corliss from our Intermediary Development and Technical team consider why now is an ideal time for advisers to discuss pension switching with their clients. Listen to Craig and Justin as they explore pension switching opportunities, includin...

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  • Financial wellbeing hub article - Royal London for advisers

    Financial wellbeing hub 12 February 2021 Financial wellbeing is about how comfortable your clients and their employees feel about their financial future. If they’re financially well, they won’t worry about paying the bills. But to be truly financially well, they also need to feel confident that they have the money they need to b...

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  • Pension transfer policy statement - Royal London for advisers

    Pension transfer policy statement PS20/6 - a quick summary 5 June 2020 Share Share Today, the FCA released their much anticipated response to the 2019 consultation on Pension transfer advice, PS20/6 –‘Pension transfer advice: feedback on CP19/25: our final rules and guidance’. Commenting on today’s FCA policy statement on contin...

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  • Contingent charging for pension transfers - Royal London for advisers

    Contingent charging for pension transfers 1 July 2021 In our latest podcast, Fiona Hanrahan and Justin Corliss discuss the ban on contingent charging and what this means for you and your clients. Listen to Fiona and Justin as they take a closer look at what the contingent charging ban involves, what the exceptions are to the ban...

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  • Workplace pensions and pension transfers - Royal London for advisers

    Workplace pensions and pension transfers 1 July 2021 Fiona Hanrahan and Justin Corliss from our Intermediary Development and Technical Team analyse workplace pensions and pension transfers. Listen to our latest podcast with Fiona and Justin where they discuss policy statements and legislation around pension transfers, how this r...

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  • Pension news from 2019 - Royal London for advisers

    Pension news from 2019 Why paying a tax charge isn’t always a bad thing We’ve updated our adviser policy paper and it’s ready to download. Retirement Outcomes Review phase 1 - new age-based packs We’re introducing new-aged based packs as a result of the FCA’s new rules on ‘wake-up packs’. Retirement Outcomes Review - Part 2 of 2...

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  • Destination workplace - Royal London for advisers

    Destination workplace Justin Corliss 7 August 2020 Share Share Our Senior Pensions Development and Technical Manager, Justin Corliss, considers the FCA’s strengthened position on considering a client’s workplace pension scheme as a destination for a transfer and why it might not be the best option for your clients. When the FCA...

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    Workplace pensions

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  • Retirement Outcomes Review phase 2 – changes to drawdown key features illustrations - Royal London for advisers

    Retirement Outcomes Review phase 2 – changes to drawdown key features illustrations 2 April 2020 Share Share We’re introducing a new one-page summary and updated New Business drawdown key features illustration as a result of the FCA’s new rules on drawdown and UFPLS disclosure. The FCA published policy statement PS19/1 at the en...

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  • Retirement Outcomes Review part 1 - new age-based packs - Royal London for advisers

    Retirement Outcomes Review phase 1 - new age-based packs 30 October 2019 Share Share We’re introducing new-aged based packs as a result of the FCA’s new rules on ‘wake-up packs’. The FCA published policy statement PS19/1 at the end of January 2019, looking at how they plan to tackle some of the issues they’ve identified in the r...

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  • The lasting effects of lockdown - Royal London for advisers

    The lasting effects of lockdown Tom Dunbar 9 July 2020 New challenges, fresh ideas and how the future looks. It’s no secret the adviser community has been hugely affected by the ongoing COVID-19 pandemic. Social distancing measures mean they’ve been unable to have face-to-face meetings with clients. And they’ve also experienced...

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  • Looking after your client’s financial wellbeing - Royal London for advisers

    Looking after your client’s financial wellbeing 17 April 2020 Share Share During these difficult and challenging times, whether it’s your individual or workplace clients, they’re going to need more support. As a mutual, we’re committed to helping customers look after their long-term financial interests and we’re doing more by of...

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  • Independent Governance Committee (IGC) annual report - Royal London for advisers

    Independent Governance Committee (IGC) annual report 26 August 2021 Our IGC has published its annual report which sets out the committees’ views on the value for money that we provide our workplace pension customers The committee found that Royal London continues to provide value for money overall to its workplace customers and...

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  • Putting a number on the value of advice - Royal London for advisers

    Putting a number on the value of advice Tom Dunbar 27 January 2020 Share Share We recently worked with the International Longevity Centre to put a number on how much financial advice is worth to those who receive it. Here, Tom Dunbar elaborates on the findings of that research. There are many myths and misconceptions around fina...

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  • Teachers’ Pensions - value can’t be measured in pounds and pence alone - Royal London for advisers

    Teachers’ Pensions - value can’t be measured in pounds and pence alone Moira Warner 5 May 2020 Share Share Our Senior Pension Development and Technical Manager, Moira Warner, looks at the benefits of a defined contribution pension as an alternative to the Teachers' Pension Scheme (TPS). Although teachers are currently likely to...

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  • Our Royal London Pension Property fund - Royal London for advisers

    Our Royal London Pension Property fund 6 December 2019 An investment update We want to reassure you that we’re comfortable with the levels of liquidity within the Royal London Pension Property fund – the fund which provides the property exposure for our Governed Range. We’re doing all the monitoring and contingency planning you’...

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  • Retirement Outcomes Review – Part 2 of 2 - Royal London for advisers

    Retirement Outcomes Review - Part 2 of 2 Robin Nimmo 23 October 2019 Share Share The FCA published policy statement PS19/21 at the end of July 2019 detailing the second part of its package of remedies to address the issues it had identified in the retirement market. Here we look at the changes coming into force on 1 August 2020.

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  • Service that excels during the most uncertain times - Royal London for advisers

    Service that excels during the most uncertain times 25 November 2020 Share Share We’re proud to say that we’ve won 5 stars for pensions service at the Financial Adviser Service Awards for the 12th year running. And because it’s during a pandemic, this year's award means more to us than ever before. 2020 has been a rollercoaster...

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  • Getting started with your responsible investment advice journey - Royal London for advisers

    Getting started with your responsible investment advice journey Ryan Medlock 16 September 2021 There’s so much noise around responsible investment, but how do you prepare for engaging your clients in this area? The direction of travel The surge in momentum behind responsible investing continues to accelerate whilst the finishing...

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  • The real difference ProfitShare can make - Royal London for advisers

    The real difference ProfitShare can make 30 November 2021 We shared £146million with 1.8 million customers in 2021 In April we announced our 2021 ProfitShare award to our members. And this year’s award meant more than most, given the difficult economic conditions and challenges brought about by the coronavirus pandemic. We’re pr...

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  • Introducing ESG into your client fact finds - Royal London for advisers

    Introducing ESG into your client fact finds Lorna Blyth 29 October 2019 Share Share With the interest in responsible investment rising, Lorna Blyth, Head of Investment Solutions, looks at why now might be a good time to start thinking about introducing environmental, social and governance preferences into your client fact finds.

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  • Steve Webb announcement - Royal London for advisers

    Steve Webb announces departure from Royal London 14 January 2020 Sir Steve Webb has announced he will be leaving Royal London at the end of January. Steve has been highly supportive in championing the value of impartial professional advice and in recognising its importance in driving competition and helping to achieve good custo...

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  • End of tax year - IR servicing checklist and submission date - Royal London for advisers

    End of tax year - IR servicing checklist and submission date 20 February 2020 Share Share Here's a reminder of our submission deadlines and the information we need if your client wants to take a taxable income payment before the tax year ends. Your checklist Where and when to send it Application form and supporting documents: I'...

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  • Protecting employee data - Royal London for advisers

    Protecting employee data 26 August 2021 We’ve introduced a new data security form to help protect the personal and sensitive data of your clients' employees. An increasing number of customers are choosing to contact us and send information by email, so we’ve taken steps to ensure we continue to protect their data. Our new online...

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  • Top five tips when writing a will - Royal London for advisers

    Top five tips when writing a will 14 April 2021 Without a will your client's property might not go to the person they want it to when they die And, did you know that cohabitees differ from spouses when it comes to assets after their partner's death? Listen to Gregor Sked talk to Clare Moffat from our Intermediary Development and...

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  • Scottish Life Fund bonus report for 2020 - Royal London for advisers

    Scottish Life Fund bonus report for 2020 19 May 2021 Relevant planholders will be sent their statement packs on 25 May 2021. Every year we issue The Scottish Life Fund annual bonus report to our customers who own certain conventional with profits plans in this fund. Customer mailing pack Letter for single plans Letter for multip...

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  • Helping clients help their families in lockdown - Royal London for advisers

    Helping clients help their families in lockdown Clare Moffat 29 July 2020 Share Share Clare Moffat, Head of our Intermediary Development and Technical team, looks at how advisers can help their clients help their families during these challenging times. One of the least considered impacts of lockdown has been the loss of contact...

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The Royal London Mutual Insurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The firm is on the Financial Services Register, registration number 117672. It provides life assurance and pensions. Registered in England and Wales number 99064. Registered office: 55 Gracechurch Street, London, EC3V 0RL.