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You searched for the term financial wellbeing Your search returned the following 40 results...
 
  • 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...

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    News

    Blog

  • 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...

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    Online service

    Personal pensions

    Workplace pensions

    ...

  • Pension product information - Royal London for advisers

    ...of 'Assessing Suitability Part 2'. 22 Feb 2021 Additional money laundering checks for ongoing servicing to workplace pensions The following checks may take place when you or your client request certain changes to their scheme or plan. 17 Feb 2021 Financial wellbeing hub Financial wellbeing is about...

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

    ...to quantify but still have an enormous impact on someone’s long term financial wellbeing. Tax and cashflow planning for instance are areas where advisers can deliver real value to their clients on an ongoing basis. This article was originally published in Professional Adviser. Related content show more...

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    News

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  • Strong relationships, strong results - Royal London for advisers

    ...are almost twice as likely to feel in control of their finances than those who don’t? Through our recent research and customer interviews, we’ve discovered that professional advice offers so much more to customers than just practical, financial benefits. It also helps to improve their emotional wellbeing...

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    Opportunity

  • What proposed climate reporting duties could mean for trustees - Royal London for advisers

    ...lockdown measures put in place by governments. The impact this has had on our lives, wellbeing and finances has not been neat and orderly, nor has it been the same for all of us and it’s not difficult to imagine how the effects of climate change could bring similar impacts, albeit on a much larger scale...

  • 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

    ...

  • ESG considerations and financial advice – EU regulatory changes - Royal London for advisers

    ESG considerations and financial advice – EU regulatory changes Ryan Medlock 28 April 2020 In the first article of this three part series, Ryan Medlock reviews the regulatory changes on ESG which will impact advisers and drive responsible investment further into the mainstream. There are regulatory...

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

    Increasing the Financial Ombudsman Service (FOS) award limits Robin Nimmo 24 January 2019 Find out how we responded to the FCA consultation on increasing the FOS compensation limits. The FCA consultation CP18/31 on ‘Increasing the award limit for the Financial Ombudsman Service’ closed on 21...

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    News

    Blog

  • With Profits funds - Royal London for advisers

    Ordinary Long Term fund (known as With Profits 3). More detailed information on asset allocation and investment returns for each of the With Profits funds can be found in the following factsheets: Factsheet For Scottish Life Fund Factsheet For Royal London Fund Principles and Practices of Financial...

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    Fund information

  • Finances and finding ‘the one’ later in life - Royal London for advisers

    Finances and finding ‘the one’ later in life 28 May 2019 We look at how a change in relationship status later in life can impact financial planning for your clients. Recent marriage stats show huge changes in how we live our lives. Marriage rates at younger ages continue to fall while marriage...

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    News

    Blog

  • Our adviser commitments - Royal London for advisers

    ...three adviser commitments. 1. We have no plans to offer regulated financial advice 2. When your clients need advice, we’ll point them to you 3. We’ll never cross-sell or upsell to your clients We believe the best advice comes without compromise. That means it has to be impartial and it has...

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

    ...and compliance costs, retiring practice owners and attractive financial valuations as key drivers. Examples of recent headlines include Quilter lending £25m to fuel acquisition, while Succession Wealth has appointed a director of mergers and acquisitions. Wealth management company AFH only recently...

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    News

    Blog

  • Do you use Unipass? - Royal London for advisers

    Do you use Unipass? Unipass is a simple, single solution that provides you with access to most online financial services.  What’s more, having Unipass allows you to register for Origo’s Agency Administration service. Unipass Agency Administration What is it?  In simple terms, Unipass is a digital...

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    Online service

  • Sophisticated tools - Royal London for advisers

    Sophisticated tools Our range of tools bring together everything you need to conduct a cost-effective planning and review service to your clients. You can use them alongside our clear and simple communications to support and enrich your client conversations. Financial planning tool Use our...

  • ProfitShare from Royal London - Royal London for advisers

    ...and your clients. Last year we invested strategically to upgrade our business processes improving the speed, accuracy and professional touch of our service. As well as launching a new financial planning tool for advisers and enhancing our mobile app. And we're not stopping there, we're committed...

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    ProfitShare

  • 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...

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    News

    Blog

  • FT Adviser Podcast - How advisers can choose the right responsible investment - Royal London for advisers

    Patel, Adviser at EA Financial Solutions to explore the vast range of responsible investment funds available to advisers and the considerations an adviser should have when selecting these funds for their clients. Transcript David Thorpe:                Hello and welcome to the FTAdviser four part...

  • Salary exchange calculator - Royal London for advisers

    ...and National Insurance rates effective from 6th April 2020. The figures shown are for illustration purposes only and do not constitute any form of advice. The employee should speak to their financial adviser in this respect. They may be charged for any advice given by their financial adviser. Any...

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    Tools

    Salary exchange

  • Latest pension news with Viewpoint - Royal London for advisers

    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...

  • Safeguarded benefits - Royal London for advisers

    Safeguarded benefits The Pension Schemes Act 2015 introduced the concept of safeguarded benefits from 6 April 2015. It also placed a requirement on some individuals to take financial advice before they can give up safeguarded benefits. We take a look at what safeguarded benefits are and when...

  • Pensions and ESG - Royal London for advisers

    ...happening? Tim Smith – Yes, from the 1 October there are some significant changes coming in for trustees of pension funds. For the first time they’re going to need to set out what their policy is on taking account of financial factors including environmental, social, governance factors...

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    Investment options

    Opinion

  • Budget commentary 2008 - Royal London for advisers

    Budget commentary 2008 As you know, Alistair Darling our new Chancellor delivered his first Budget on 12 March 2008. Hidden in the notes and supplementary documents that accompany the Budget were changes that affect financial planning. As in previous years, Scottish Life has produced a Budget...

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    Information and guidance

  • 2014 Budget Summary - Royal London for advisers

    ...the attractiveness of drawdown, although it remains our view that the focus should be on sustainable not maximum income, with financial advisers best placed to help with this. Increase in the limit for triviality and 'stranded pots' HMRC - Increasing pension flexibility On or after 27 March 2014...

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    Information and guidance

  • 2016 Budget Summary - Royal London for advisers

    ...to ensure a charge to IHT does not arise when a pension scheme member designates funds for drawdown but does not draw all of their funds before death. This will be backdated to apply to deaths on or after 6 April 2011. Financial Advice Market Review  2.227 of HM Treasury - Budget 2016 It is proposed...

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    Information and guidance

  • Pension news from 2019 - Royal London for advisers

    ...of October 2019. Here we look at what we said in our response. FCA review of the financial advice market 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...

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    News

    Blog

  • 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 14 May 2020 Share Share The first quarter of 2020 has been one of the most volatile periods that financial markets have ever experienced and for many clients taking regular income in drawdown this has been the first real episode...

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    News

    Blog

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

    ...and of course our savings. This wider societal shift fuelled by growing concern for the planet and the impact that business activities are having on the environment is also moving up the agenda of policymakers, regulators and financial institutions. According to Charles Counsel, chief executive of The Pensions...

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    Blog

  • Covid-19 and the money purchase annual allowance (MPAA) - Royal London for advisers

    ...of which are: taking income from a flexi access drawdown plan taking income greater than the max GAD from a capped drawdown plan taking an uncrystallised funds pension lump sum (UFPLS). Of course, many people are under financial strain during the current COVID-19 crisis and may be tempted to access...

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    Pension freedom

  • Tactical change - 11 June 2020 - Royal London for advisers

    ...assets recovered further in May. Equity investors continued to look through the short-term effects of the lockdown on companies, taking reassurance from the unprecedented financial support packages from governments and central banks. Leading financial data suggested that the global economy...

  • Supporting your drawdown conversations - Royal London for advisers

    ...and understanding regulatory issues. How are advisers talking about drawdown? video transcript The advantages of drawdown video transcript The impact of MiFID in drawdown video transcript Explaining drawdown at Chapters Financial video transcript Explaining drawdown at Parsonage Financial Planning...

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    Income Release

  • Investment standards - Royal London for advisers

    ...of centralised investment proposition (CIP) and centralised retirement proposition (CRP) frameworks, their relationship with the PROD rules and looks at how the financial planning community has been adopting and integrating these models within formal advice processes. Recorded on 19 November 2020. Centralised...

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    Information and guidance

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

    ...documents to your usual Royal London case manager. We must receive this by 6pm on Wednesday 25 March 2020. Taxable income payment requests by post: I've confirmed that I've provided financial advice to my client. To guarantee payment in the 2019/20 tax year, we must receive this by 6pm on Wednesday 25...

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    Blog

  • Steve Webb announcement - Royal London for advisers

    ...to raise important issues, championing consumer rights and highlighting the many ways in which consumers can make the most of their finances to ensure they are receiving the right help and entitlements. Sir Steve Webb added: I’ve spent a lot of the last four years promoting the value of financial...

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    News

    Blog

  • Why transfers in drawdown (TIDs) will be a key theme for advisers and the industry - Royal London for advisers

    ...pandemic has and continues to bring many challenges to financial advisers and their clients. Initially, concerns concentrated on volatile investment markets and their impact on clients’ financial planning. Further long term issues are expected following the end of the Coronavirus Job Retention Scheme...

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

    Outcomes Review focuses on:   FCA PS19/21 Read the policy statement. Download The introduction of ‘investment pathways’ for customers entering drawdown, without taking any financial advice.  Making sure that customers entering drawdown only invest all or most of their pension savings in cash or cash...

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    News

    Blog

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

    ...exercise in the event of an RAA. TPR should consult with the DWP around legislation to simplify the choices in the event of a restructure. FCA, TPR, the new Single Financial Guidance Body (SFGB) and ultimately the Pension Protection Fund (PPF) should meet regularly to share information, and create...

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    News

    Blog

  • Why are drawdown transfers few and far between? - Royal London for advisers

    ...less common than you’d expect. Throw in the fact we have “Assessing Suitability Part 2” looming on the horizon, which the Financial Conduct Authority (FCA) has already acknowledged will focus heavily on retirement income advice, and it becomes a real headscratcher. Perhaps it boils down to the fact...

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

    ) & Financial Services Compensation Scheme (FSCS) in a balanced and objective way. The TVC element of the APTA aims to show the cost of providing the same benefits as the DB scheme, but in a DC scheme. The TVC is displayed in a prescribed graphical format: Gross of tax free cash and assumes...

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    News

  • Governed portfolios due diligence report - Royal London for advisers

    ...some of the topics that the FSA raised in their paper and have created a due diligence report on our Governed Portfolios for you to use. The documents include information on the following areas: Financial strength Investment objective Asset Mix Governance Charges So what are you waiting for? Download the report below: Governed Portfolios – due diligence report...

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    Investment overview

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.