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  • 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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  • Pension news from 2019 - Royal London for advisers

    . 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 clients still on track...

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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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  • Schools of thought - Royal London for advisers

    Teachers' pension scheme - schools of thought Moira Warner 27 February 2020 Share Share If you read the material we publish on public sector pensions, you’ll know that we’ve been watching the Teachers’ Pension Schemes (TPS)/independent schools story unfold with interest and concern in equal measure...

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  • Advisers remain resilient in the face of Covid-19 - Royal London for advisers

    ...inbound contact from clients increase by 25% with demand for reassurance on investments, information on furlough, self-employment, and payment holidays. Selling and merging These high levels of adviser confidence were also evident in our research carried out with NMG before the crisis. Responses from...

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

    ...proposition development and service. We are well-placed to continue to build a truly customer-centric and successful business. Regulatory approval for Barry O’Dwyer’s appointment is in progress. Related content show more Why we're reaffirming our adviser commitments - Royal London for advisers Why...

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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...

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  • Latest updates from Steve Webb - Royal London for advisers

    Latest updates from Steve Webb Steve Webb announces departure from Royal London Sir Steve Webb has announced he will be leaving Royal London at the end of January. The lifetime allowance ‘timebomb’ Steve Webb explains why over a million workers need to know about it, and what to do. How long does your client’s money need to last...

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    News

  • 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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  • FCA policy statement signals big changes in the pension transfer advice market - Royal London for advisers

    ...be able to charge one fee for the advice, and another for implementing the arrangement. Where two advisers are involved in the process, for example where one adviser or firm provides the advice on the transfer and the other the advice on the receiving scheme and investments, both should levy...

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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

  • 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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  • Frequently asked questions – death benefits - Royal London for advisers

    Death benefits: our top five frequently asked questions Fiona Hanrahan 27 August 2018 Share Share We’re often asked about death benefits and thought we’d share our top 5 most frequently asked questions. Who pays the lifetime allowance charge when an individual dies? If the individual dies...

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

    The rise (and expected rise) of CRPs Ryan Medlock 11 May 2020 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. Our friends over...

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  • 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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  • 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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  • 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 DB pension transfer advice consultation Dec 23 2019 We responded to the latest FCA...

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

    ...facing technical team. Clare joined Royal London in April 2018 and leads a team of eight specialists as well as presenting, writing articles and commenting for the press and developing adviser facing content. Clare is a mum of 3 and enjoys holidays, running and socialising.

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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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  • PROD version 2020 - Royal London for advisers

    ...and sale of products to ensure they meet the needs of identifiable target markets, are distributed appropriately and deliver good customer outcomes. PROD contains a mixture of rules and guidance for both product manufacturers and distributors. So far adviser focus has naturally concentrated...

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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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    News

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

    ...you put it all like that, it’s hard to disagree with the view that a CRP approach can take retirement planning to a more robust level. Next up in this series, I take a look at the rise in adviser usage of CRPs. Related content show more CRPs – retirement planning’s final frontier? - Royal London...

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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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  • DB pension transfer advice consultation - Royal London for advisers

    ...to significantly reduce access to advice. A ban on contingent charging could result in a significant increase in insistent client transactions which will not be in the clients’ best interests. We also believe the action the FCA is taking by writing to individual adviser firms to highlight specific concerns...

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    Defined Benefit

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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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  • 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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  • 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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  • 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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  • 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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  • CRPs and Covid-19 - Royal London for advisers

    ) of CRPs - Royal London for advisers ...at Ascentric recently carried out some extensive research in this area and found that adviser centralised retirement proposition (CRP) usage is... About the author Ryan Medlock Senior Investment Development & Technical Manager Ryan’s journey with Royal London began...

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

    ...of sustained market volatility. The impact on income sustainability is substantial but has Covid-19 brought adviser processes around drawdown advice into sharper focus? Drawdown is and always has been a risky product. The FCA has continued to stress its concerns with the suitability of drawdown advice...

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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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    News

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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.