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You searched for the term adviser news thought leadership Your search returned the following 40 results...
 
  • Why we're reaffirming our adviser commitments - Royal London for advisers

    Why we're reaffirming our adviser commitments Isobel Langton 30 October 2019 Share Share At Royal London, we champion the value of impartial advice, we firmly believe it creates the best outcomes for clients like yours. Recently though, it’s become clear that some of our competitors don’t value...

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  • Small advisers still have a role - Royal London for advisers

    Small advisers still have a role Tom Dunbar 25 November 2019 Share Share Consolidation has been big news in recent years and we estimate there have been, on average, two to three trade press articles on adviser consolidation every week so far this year. These typically cite increasing regulatory...

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  • Pension news from 2019 - Royal London for advisers

    Pension news from 2019 Small advisers still have a role Nov 29 2019 Consolidation has been big news in recent years and we estimate there have been, on average, two to three trade press articles on adviser consolidation every week so far this year. Income sustainability scores updated - are your...

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  • Pension Matters – the Royal London employer newsletter - Royal London for advisers

    ...to keep employers up to speed and interested in their Royal London pension scheme. The Pension Matters news page of the employer website has up to date information about proposition enhancements and news from the wider pensions industry that might affect employers or their employees. Standing by our...

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  • Why paying a tax charge isn’t always a bad thing - Royal London for advisers

    Why paying a tax charge isn’t always a bad thing 26 June 2019 Share Share Following the start of a new tax year, we’ve updated our adviser policy paper and it’s ready to download. Our updates include: a new example of when it might be appropriate to advise an individual to leave their scheme...

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  • Doctors’ pensions - when 50% of something is better than 0% of nothing - Royal London for advisers

    ...in any particular case.  Our updated adviser policy paper We’ve issued an update to our adviser policy paper “Why paying a tax charge isn’t always a bad thing”. It contains the detailed numbers for our case study and more information about options for doctors and giving advice in this space. About...

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  • Retirement options follow-up mailing - Royal London for advisers

    Retirement options follow-up mailing 12 February 2016 We’re contacting customers about pensions flexibility and other enhancements to our pensions. Available material Adviser Death benefits Death benefits – Q&A Nominating beneficiaries – Q&A Changes to the taxation of lump sum death benefits...

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    News

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

    New FCA rules on pension transfer values set to shake up transfer market 24 October 2018 Share Share Our new policy paper with Lane, Clark & Peacock explains how FCA rules on pension transfer advice bring significant change in the member-adviser conversation. From 1 October 2018, advisers need...

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    Defined Benefit

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  • Customers and Advisers have spoken… - Royal London for advisers

    .   1,150 customers gave us their feedback through the customer survey, and we’re grateful that 1,000 of you took the time to complete our online adviser survey.  Thank you! What advisers told us Our first Adviser Relationship Study gives us a bench mark from which to measure our progress going forward...

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  • Latest updates from Steve Webb - Royal London for advisers

    Latest updates from Steve Webb Children's pension Oct 30 2019 Steve Webb writes about the potential benefits of contributing into an adult son or daughter’s pension. The lifetime allowance ‘timebomb’ Jul 11 2019 Steve Webb explains why over a million workers need to know about it, and what to do. How long does your client’s mone...

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  • New Chief Executive Barry O'Dwyer joins Royal London - Royal London for advisers

    adviser commitments - Royal London for advisers Why we're reaffirming our adviser commitments Isobel Langton 30... Why we're reaffirming our adviser commitments - Royal London for advisers Why we're reaffirming our adviser commitments Isobel Langton 30 October 2019 Share Share At Royal London...

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  • Lifetime allowance: our top five frequently asked questions - Royal London for advisers

    Lifetime allowance: our top five frequently asked questions Fiona Hanrahan 24 September 2018 Share Share Following on from last month’s top five questions on death benefits we thought we’d share our top five most frequently asked questions on the lifetime allowance (LTA). From a tax point of view...

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

    ...by limiting firms’ ability to recommend transfers that incur unnecessarily high ongoing adviser and product charges Improve charge disclosure and implement checks on customer understanding Increase continuous professional development requirements for pension transfer specialists (PTS) Improve data...

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

    . For members who want transfer information, the trustees should work closely with public guidance bodies to offer them a route to guidance. Trustees could compile a list of suitable advisers and make this available to members. The FCA and SFGB should review their adviser directories/registers...

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  • Where do my future clients come from? - Royal London for advisers

    ...specifically their spouses and children. This isn’t automatic though. Evidence from the US suggests 70% of women considered dismissing their financial adviser after the death of their husband1  Perhaps this reflects the adviser’s failure to engage with both parties of the marriage. This can especially...

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  • Why is Staveley important for advisers when it comes to transfers? - Royal London for advisers

    , Clare acted for many different pension providers before moving to Prudential for over 6 years and ended up leading the pensions side of the external facing technical team which involved presenting, writing articles for the press and developing adviser facing content. Clare joined Royal London in April 2018 to head up the external facing team of pension and protection experts. Last updated: 29 Nov 2018...

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  • So what does Pension Dashboard mean for advisers? - Royal London for advisers

    .  Or at the very least, guidance.    Information available everywhere Today if an individual wants to know about their pension they get the information from one of three places: their pensions provider, employer, or if they have one,  an adviser. But that will change fundamentally once Pensions Dashboards become...

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  • 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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  • Our statement on consultation paper 19/25 - Royal London for advisers

    ...include a potential ban on contingent charging, concerns over high ongoing adviser & product charges, and issues around the clarity and disclosure of charges and other key information. We remain of the belief that transferring a DB pension will continue to be the right answer for some scheme members...

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  • Our mobile app just got slicker - Royal London for advisers

    ...they’re really on track. In keeping with our adviser commitments, when customers need advice, we’ll always direct them back to you for that deeper conversation. And our app is no exception. Early feedback suggests: Customers from our own pension scheme already feel more engaged and are thinking more...

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  • We’re rated gold, 3 years in a row! - Royal London for advisers

    ...insurance, pensions and investment provider. The assessor recognised that trust and customer focus are rooted in our culture, strengthened by our mutual status. The introduction of our CVS:Adviser lens and Adviser relationship study is seen as a strength, ensuring we build solutions that not only meet...

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  • We're telling customers about another retirement income option - Royal London for advisers

    ...regular payments of tax-free cash and taxable income payments. Customer communications: Customer letter Endorsement notice Know your retirement options leaflet - Issued to customers under age 54 Pensionwise leaflet - Issued to customers age 54 and over Available material: Pension Portfolio adviser technical guide Summary of flexible income options leaflet...

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  • New and improved annual statement for your Income Release clients - Royal London for advisers

    ...are important to them. Supporting your client conversations This new communication can be used alongside some of our existing tools and services to help support and enrich your ongoing client conversations.  Our Adviser Review Service can help you start a deeper discussion around the performance...

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  • FCA produces new rules for Pension Transfers - Royal London for advisers

    ...pension transfer analysis (APTA) including a Transfer value comparator (TVC) will replace transfer value analysis. The aim of the APTA is to demonstrate the suitability of the personal recommendation. In doing so the adviser should: Consider the impact of tax and access to state benefits Where...

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  • Is there a safe harbour in the triage storm? - Royal London for advisers

    ...is expected shortly, they’ve made it clear that triage must be ‘generic’ and not relate to the specific situation of the individual client. In order to shed some light on this issue, we included some questions in our adviser survey earlier this year about what different advisers are doing in this space...

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  • FCA consults further on pension transfer advice - Royal London for advisers

    ...freedoms.  New PTSs need to be fully aware of the current pension landscape and rules applying to transfers.   Two advice model New guidance has been proposed by the FCA to make clear its expectations where one adviser advises on the transfer and another adviser advises on the proposed investments...

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    Workplace pensions

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  • New and improved updates for your clients - Royal London for advisers

    ...conversations These new communications can be used alongside some of our existing tools and services to help support and enrich your ongoing client conversations.  While your clients are building their retirement savings, our Adviser Review Service can help you start a deeper discussion around...

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  • 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. Last updated: 16 Oct 2018...

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  • MPAA reduced from 6 April 2017 - Royal London for advisers

    November 2017 and so has passed into law. An important point is that they’ve been introduced with effect from 6 April 2017. So for those who triggered the MPAA before 6 April 2017, all contributions paid from 6 April 2017 will count towards the reduced MPAA of £4,000 – bad news for those who took...

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  • Steve Webb: Is it time for the care pension? - Royal London for advisers

    ...that the government should allow tax-free withdrawals from drawdown accounts to pay for care insurance.  We also believe there needs to be an overall lifetime cap on care costs to make providing these products commercially viable. From the perspective of an adviser, they would be able to offer clients care insurance...

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  • Never mind the costs and charges, it’s all about the farmers! - Royal London for advisers

    ...than two years into this post-PROD world but we’re starting to see trends emerge in segmentation approaches. Segmenting by financial life stages appears to be the most popular so far but it’s segmenting by occupation which intrigues me the most. I’ve spoken to a few adviser firms who’ve adopted...

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  • Our drawdown governance service turns three - Royal London for advisers

    ...of retirement savings is over £110,000. The average age of a customer is 65.7 years old. Over 3,000 adviser companies are using the service. There’s more than £3.2bn invested in our Governed Retirement Income Portfolios (GRIPs).  Figures at 1 May 2019. Most of the customers on DGS are baby boomers...

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  • Public sector pensions in 2019: a run down - Royal London for advisers

    Children's pension Steve Webb 25 June 2019 Share Share Steve Webb writes about the potential benefits of contributing into an adult son or... Pension news from 2019 - Royal London for advisers Pension news from 2019 Small advisers still have a role Nov 29 2019 Consolidation has been big news in recent...

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  • Centralised Retirement Propositions (CRP) - Royal London for advisers

    -advised consumers, the findings are likely to impact the advised market too. Investment pathways One of the key recommendations is the introduction of investment pathways for people who don’t have an adviser. The pathways are objective driven and are based on taking cash, taking annuity, taking drawdown...

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  • Helping solicitors with inheritance tax and pensions - Royal London for advisers

    ...technical team which involved presenting, writing articles for the press and developing adviser facing content. Clare joined Royal London in April 2018 to head up the external facing team of pension and protection experts. Last updated: 10 Jun 2019...

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  • Defined benefit transfers and the lifetime allowance - Royal London for advisers

    ...the pensions side of the external facing technical team which involved presenting, writing articles for the press and developing adviser facing content. Clare joined Royal London in April 2018 to head up the external facing team of pension and protection experts. Last updated: 27 Jun 2019...

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  • We’re ready for the Insurance Distribution Directive Review - Royal London for advisers

    ...the statement of demands and needs to the customer sits with the adviser. What are we doing in response to the IDD? We’ve developed target market statements for our products. You can download these below: Pensions Pension Portfolio Individual Stakeholder Retirement Solutions GPP & GSHR Retirement...

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  • Childrens pension - Royal London for advisers

    ...through a pension contribution is probably a neglected area of family financial planning and one which can benefit donor and recipient alike.  You can see more detailed case studies about third party contributions in the following two articles on our adviser website: Saving for future generations Pt...

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  • The lifetime allowance ‘timebomb’ - Royal London for advisers

    ...for advisers MiFID – a PROD at the adviser impacts 21 June 2019 Hear from Ryan Medlock, Senior Business Development Manager as he breaks through the background... Lifetime allowance master-class - Royal London for advisers Lifetime allowance - a master-class of the technicalities 21 June 2019 Hear from Fiona...

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  • 5 reasons why you might put pension death benefits into trust - Royal London for advisers

    ...and developing adviser facing content. Clare joined Royal London in April 2018 to head up the external facing team of pension and protection experts. Last updated: 31 Mar 2019...

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This website is intended for financial advisers only and shouldn't be relied upon by any other person. If you are not an adviser please visit royallondon.com.

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.