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You searched for the term Retirement Outcomes Review Your search returned the following 40 results...
 
  • 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...

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    News

    Blog

  • 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...

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    News

    Blog

  • 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...

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    News

    Blog

  • FCA Retirement Outcomes Review final report and consultation - Royal London for advisers

    FCA Retirement Outcomes Review final report and consultation Justin Corliss 26 July 2018 Share Share Justin Corliss explains the recent FCA review of retirement outcomes. On 28 June the FCA released the Retirement Outcomes Review (ROR) final report along with a consultation paper CP18/17, looking...

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    News

  • 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...

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    News

    Blog

  • Our summary and thoughts on the FCA’s recent feedback statement 19/5: Effective competition in non-workplace pensions - Royal London for advisers

    ...to Individual Personal Pensions, Stakeholder pensions, SIPPs, FSAVCs, S32s and RACs.  You’ll have noticed decumulation products such as income drawdown aren’t included in this list of “non-workplace pensions”. That’s because they’re covered as part of the Retirement Outcomes Review - you can read...

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    Opinion

    Workplace pensions

  • Watch our income drawdown CPD webinar - Royal London for advisers

    review (ROR), how this has changed at retirement advice and much more including best practice in FAD file construction how to review income drawdown plans in a compliant and cost effective manner.* *This webinar was recorded on 27 February 2020. CPD learning outcomes - 45 minutes After watching...

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    CPD

  • Increasing the Financial Ombudsman Service (FOS) Award Limits - Royal London for advisers

    Retirement Outcomes Review final report and consultation - Royal London for advisers FCA Retirement Outcomes Review final report and consultation Justin Corliss 26 July 2018 Share Share Justin Corliss explains the recent FCA review of... Pensions liberation fraud - Royal London for advisers ...pension...

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    News

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  • Pension news from 2019 - Royal London for advisers

    ...impartial advice in the same way. Retirement Outcomes Review phase 1 - new age-based packs Jul 22 2020 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 Jul 22 2020 The FCA published policy statement PS19/21...

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    News

    Blog

  • Benefit options - Royal London for advisers

    ...pension freedoms began in 2015, including changes in withdrawal patterns and the consideration of changes in the demographics of UK society. Craig also talks about the retirement outcomes review (ROR), how this has changed at retirement advice and much more including best practice in FAD file...

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    Information and guidance

  • 190627-London - Royal London for advisers

    ...will really start to impact more clients this tax year as we have now passed the 3rd anniversary of its introduction.  Lastly we investigate the findings of the Retirement Outcome Review and consider what impact these findings could have on the advised market. Learning outcomes: Identify the key...

  • Pensions Roadshow - Royal London for advisers

    (TAA), which will really start to impact more clients this tax year as we have now passed the 3rd anniversary of its introduction.  Lastly we investigate the findings of the Retirement Outcome Review and consider what impact these findings could have on the advised market. Learning outcomes...

  • Pension news from 2018 - Royal London for advisers

    ...questions Jul 22 2020 We’re often asked about death benefits and thought we’d share our top 5 most frequently asked questions. FCA Retirement Outcomes Review final report and consultation Feb 23 2019 Justin Corliss explains the recent FCA review of retirement outcomes. We’ve launched our new workplace...

  • Meet the team - Royal London for advisers

    ...years with experience in marketing, research, technical support and product development. He currently specialises in the savings and at retirement markets. Robin's latest articles  FCA review of the financial advice market DB pension transfer advice consultation Retirement Outcomes Review - Part 2...

  • Pensions Roadshow Bristol - Royal London for advisers

    Actuarial Department’s most recent Quinquennial Review. Next we consider the Retirement Outcome Review from the interim report in 2017 to policy statement PS19/21 released in July 2019. We explore the key changes resulting from the review and the impact these are likely to have on both advised and non...

  • Local seminar - 21 November - Royal London for advisers

    ...can arise and guidance on how the IHT charge may be calculated. Learning outcomes: Identify the key legislation changes relating to the State Pension Understand the main concerns raised by the Retirement Outcome Review Comprehend the issues with IHT and pensions Justin Corliss - Senior Business...

  • CRPs and Covid-19 - Royal London for advisers

    ...be improved over both the short and long term.   Ultimately, advisers need to demonstrate that their process is robust and set-up to deliver good client outcomes and also against client expectations. In the current environment, it makes perfect sense to review the robustness and appropriateness...

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    News

    Blog

  • FCA financial advice market review - Royal London for advisers

    FCA review of the financial advice market Robin Nimmo 23 December 2019 Share Share The FCA is reviewing the impact that the Retail Distribution Review (RDR) and Financial Advice Market Review (FAMR) have had on improving customer outcomes from financial advice and guidance. We consider some...

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    Industry update

    Opinion

    News

    ...

  • Investment overview - Royal London for advisers

    ...constantly in line with their risk appetite. Targeted outcomes Lifestyle strategies reduce risk as clients get closer to retirement and target specific desired client outcomes. Robust governance process We have a robust governance process and take responsibility for reviewing and monitoring all...

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    Investment overview

  • Covid-19 – advising through the storm - Royal London for advisers

    ...income requirements have actually increased, have a discussion with the client and review their plan to determine whether they can take additional risk to achieve a more sustainable level of income. 3. Time to consider a centralised retirement proposition (CRP) approach? The argument for adopting...

  • Enriching your conversations - Royal London for advisers

    ...and at the right time, to help drive the right behaviours. And we help make it easy for you to provide an ongoing service to your clients too. Here are a few examples: Engaging when it matters Our annual statement is clear and visual, helping customers really understand their retirement savings. Review...

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

    ...to a specific investment solution which can range from a multi-asset solution to a discretionary mandate. The process remains robust, structured and is subject to an ongoing review. This consistent approach can help advisers deliver some really good client outcomes in the accumulation phase. However...

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    Investment governance

    News

    Blog

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

    ...about how you are managing these risks for them and striving for stronger client outcomes. As I highlighted in the previous piece, a CRP approach is about much more than just the investment solution being used. It’s about the retirement product, the use of planning tools to help you mitigate issues...

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    Income Release

    Retirement Solutions

    News

    ...

  • Financial planning tool - Royal London for advisers

    ...possible outcomes. Q. Finally, how does our ‘retirement planning tool’ play into all of this? The tool does everything that we’ve just discussed. It’s fully integrated with our specially designed investment products, and it is powered by Moody’s stochastic model which we use to stress test...

  • Our investment process - Royal London for advisers

    ...help Our Governed Range of portfolios and lifestyle strategies are designed to have a formal review process to ensure they continue to provide an asset allocation depending on your client's attitude to risk and time to retirement. And our governance promise means that all of our investment options have...

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    Investment overview

  • Investing in the right way - Royal London for advisers

    Portfolio performance Access monthly performance information for our Governed Portfolios. IAC Governance information Easy to read summaries detailing key outcomes or our full in-depth minutes from each IAC meeting held within the last year. Governed Range review documents Download review documents for each of our Governed Portfolios.

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    Investment options

  • Reminding trustees of their new responsibilities - Royal London for advisers

    Reminding trustees of their new responsibilities 4 December 2015 On 6 April 2015 new legislation came into force that introduced new responsibilities for trustees of occupational money purchase pension schemes.  Available material Advisers Adviser letter Trustees Trustee letter - Retirement...

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    News

  • Our product approval process - Royal London for advisers

    ...and adviser value statements, which aim to deliver the right outcomes for our customers. We regularly review our products to make sure they deliver fair value and continue to meet the needs of the target market. More information You can find details of the target markets for each of our products here. If you think a product’s failing to meet customers’ needs, you should speak to your usual Royal London contact.

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    News

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  • Discuss the right investment option - Royal London for advisers

    Discuss the right investment option Here you'll find a range of client facing material for you to directly use with your clients - covering the basics of investing for your retirement, client review letters and a simple to understand investment guide. Client review letter A letter template for you...

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    Investment options

  • Managing money in retirement - Royal London for advisers

    Managing money in retirement 29 April 2019 Share Share Savers now have more flexibility than ever before in retirement. Of course, this comes with greater responsibility and more scope to make mistakes. Here we look at some of the key considerations when it comes to investing in retirement...

  • How sustainable is your client’s cash flow? - Royal London for advisers

    ...income and achieve better outcomes. Over 1/3 of the customers registered on our DGS system are invested in GRIPs. Helping demonstrate to advisers that GRIPs are helping them manage and maintain their client’s income in retirement. Almost 37% of our customers in Income Release are taking a regular...

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    Blog

  • What does value for money in a DC default look like? - Royal London for advisers

    ...and Independent Governance Committees (IGCs) are keen to evidence it. But what is it and can it really be measured? In reality value for money means different things to different people and quite rightly so. A member who is approaching retirement will value different benefits to a member who is just...

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    News

    Blog

  • New FCA rules on pension transfer values set to shake up transfer market - Royal London for advisers

    ...to show their clients a transfer value comparator (TVC) which compares the cash equivalent transfer value (CETV) their company pension scheme has offered, with the lump sum needed today to buy an equivalent retirement income. The TVC is based on the assumption that the transferred money is invested...

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    Defined Benefit

    News

    Blog

  • Review service - Royal London for advisers

    Client review service Whether your clients are preparing for retirement, taking tax-free cash or a regular income, you can now conduct a cost-effective review service that hits all the right notes. With our client review service, you can create branded, visual reports which delve further...

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    Campaign

    Tools and support

  • CRPs – retirement planning’s final frontier? - Royal London for advisers

    CRPs – retirement planning’s final frontier? Ryan Medlock 8 September 2020 Share Share Are CRPs really the Holy Grail for retirement planning or is it simply marketing spin for a fancy CIP? It’s certainly a debate worth wading into… We are seeing an increase in the number of advisers who believe...

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    News

    Blog

    Retirement planning

  • With freedom comes responsibility - Royal London for advisers

    ...ignore the longer term benefits of diversification. Sequencing risk gradually becomes more and more important as retirement age approaches, and so the risk of poor outcomes for members gets greater and greater. The decade of stockmarket growth that we have enjoyed to date means no-one has seen...

  • British Steel Pension Scheme independent review - Royal London for advisers

    ...transferring, which was out of scope of the ‘time to choose’ exercise and could lead to poor member outcomes in future years. Source: The Pensions Regulator, Independent review of communications and support given to British Steel Pension Scheme members, January 2019 Related content show more British...

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    News

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  • Value for money review - Crest - Royal London for advisers

    ...pensions to assess our own view of the value for money we provide. Trustees may wish to take account of this when forming their own views. We confirmed the outcome of our value for money review of Retirement Solutions schemes in December. And we’ve now completed the value for money review for Crest...

  • Communication and Engagement - Royal London for advisers

    Engaging communications It’s good to tell members about their retirement savings, but it's better to engage them. That’s why we put so much thought into our communications. Supporting members The engagement journey We believe regular engagement is vital for members, and clear and simple...

  • Investment Governance Meeting Summary - 5 March 2020 - Royal London for advisers

    Investment Governance Meeting Summary - 5 March 2020 The Investment Advisory Committee (IAC) meet every quarter to review our Governed Range and funds. Support for you For more in-depth material you can access the following information: IAC Minutes in full Governed Portfolio and fund performance...

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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.