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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

  • Our financial wellbeing service - Royal London for advisers

    Our financial wellbeing service Help your client’s build stronger business resilience, while helping their employees take greater control of their financial future, with our new financial wellbeing service. Available soon to all new and existing workplace pension scheme members our financial...

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    Workplace pensions

  • 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

    ...

  • Workplace pensions - Royal London for advisers

    . We’re award-winning We’ve won five stars for service for 13 years in a row. And we’re proud to say we’re the only one of our main competitors with this track record in service. Our financial wellbeing service Help your client’s build stronger business resilience with our free financial wellbeing service. Available soon to all workplace pension scheme members. Find out more...

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    Workplace pensions

  • 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

    Blog

  • How much do your clients know about pension tax? - Royal London for advisers

    ...higher rate tax relief can benefit a client over time. A guide to salary exchange (increased take home pay) and A guide to salary exchange (increased pension contribution) – a closer look at how salary exchange works in practice. The importance of inheritance planning – a case study which looks at the benefits of saving into someone else’s pension.  Clients can also access a range of articles and guides on our financial wellbeing hub.

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    News

    Blog

  • Review service - Royal London for advisers

    ...on a broad range of topics to help educate and engage your clients, including detailed market commentary, ESG and Responsible Investment and financial wellbeing. Log in now to explore the enhancements. Three reports to choose from Client report Client summary report  Adviser report Benefits for you...

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    Campaign

    Tools and support

  • 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...

  • With Profits funds - Royal London for advisers

    ...in the following factsheet: Factsheet For Royal London Fund Principles and Practices of Financial Management All companies who offer with profits investments are required to publish a document detailing the way in which they manage the with profits fund. You can find copies of our Principles...

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    Fund information

  • 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 for your clients. You can use them alongside our clear and simple communications to support and enrich your client conversations. Financial planning tool Use our...

  • 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

  • Pension product information - Royal London for advisers

    Pensions from Royal London Helping your pension business Fund information Help your clients to make an informed choice with the latest updates and information on our fund range. Literature library This area will allow you to download literature for all our contracts. Tools and support Our specialist tools help you deliver cost-e...

  • Integrating responsible investment into advice propositions - Royal London for advisers

    Integrating responsible investment into advice propositions 11 October 2021 Listen to Fiona Hanrahan and Ryan Medlock in our latest podcast as they explore some of the practical steps that financial planners can take to embed responsible investment considerations within their advice processes...

  • Radical Old Idea webinar - Royal London for advisers

    ...taken place in the past few years, as socially and environmentally aware finance has moved from the margins to the mainstream. Transcript Allan Watt: GEFI has been bringing the global financial community together for over 10 years, and over this time, the financial profession has been asking...

  • 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...

  • 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

  • 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...

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    News

    Blog

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

    ...year, demonstrating our financial resilience during difficult times.  Awarding ProfitShare for the sixth year running It's important we strike the right balance between investing in our business, maintaining our robust financial position and the level of any ProfitShare award. We believe taking...

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    News

    Blog

  • Salary exchange calculator - Royal London for advisers

    ...are based on tax and National Insurance rates effective from 6th April 2022. 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...

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    Tools

    Salary exchange

  • Latest pension news with Viewpoint - Royal London for advisers

    ...crisis Find out more about the steps we’re taking to help manage your clients’ money through this crisis. Our response News archive Latest articles Pension news from 2021 Contact us Legal Cookies Privacy policy Accessibility Sitemap This website is intended for financial advisers only and shouldn't...

  • 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

  • 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...

  • 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

  • Responsible investment and regulation - Royal London for advisers

    ...cover what primary regulatory drivers financial advisers should be aware of, why we should be aware of the EU’s reforms and take a look at the Sustainable Finance Action Plan. Responsible investment and regulation FH: Hello. My name is Fiona Hanrahan, and I'm joined today by Ryan Medlock. Today, we're...

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    News

    Blog

  • 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

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

    ...to accelerate whilst the finishing touches are being made to a number of regulatory proposals that are likely to have a fundamental impact on the financial advice process. Ultimately, asking your clients and responding to their sustainability preferences is going to become a mandated and core component...

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    News

    Blog

  • Tax year end key dates and information - Royal London for advisers

    Road Nether Alderley Macclesfield SK10 4EL We must receive this by 6pm on Thursday 24 March 2022.   Taxable income payment requests by post: I've confirmed that I’ve provided financial advice to my client To guarantee payment in the 2021/22 tax year, we must receive your request by 6pm on Thursday 24...

  • 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

  • Personal pensions - Royal London for advisers

    ...call this ProfitShare. Proven investment solutions - we actively manage our customers’ money – adjusting exposure to companies with large carbon footprints or poor social practices. Always aiming to deliver positive financial returns. Unmatched service excellence - with 5 stars for service...

  • General and tools - Royal London for advisers

    Tools and support Trusts Business structures and pensions The way in which a business is set up affects the way it can pay pension contributions and the tax relief it can claim. Business structures and pensions Consumer duties Right now, the Financial Conduct Authority is putting the finishing...

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    Information and guidance

  • 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

  • Investment standards - Royal London for advisers

    ...frequently asked questions SSAS v SIPP CPD | Centralised retirement propositions – In this webinar, we explore the intricacies of centralised investment proposition (CIP) and centralised retirement proposition (CRP) frameworks, their relationship with the PROD rules and looks at how the financial planning...

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    Information and guidance

  • Pensions and divorce explained - Royal London for advisers

    ...to agree what is to be done with them as part of the financial settlement. Pensions and divorce For many their pension is one of the most valuable assets they have. The value of any pension assets must be taken into account in any divorce settlement or on the dissolution of any civil partnership...

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    Information and guidance

  • 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...

  • 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

  • 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

  • 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...

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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...

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.