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

    ...

  • 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

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

    ...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...

  • Business owner - the need for financial planning CPD - Royal London for advisers

    Business owner - the need for financial planning In this packed webinar, Fiona talks about the rise in business owners and the real need for financial planning. Fiona also covers the options for business owners when extracting company profits - including the benefits of pensions...

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    CPD

    Webinars

  • 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

    ...

  • 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

  • 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

    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

  • 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...

  • 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

  • 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

  • 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

  • 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...

  • Pension product information - Royal London for advisers

    Pensions from Royal London Destination workplace Our Senior Pensions Development and Technical Manager, Justin Corliss, considers the FCA's strengthened position on considering a client’s workplace pension scheme as a destination for a transfer and why it might not be the best option for your clients. 27 Aug 2020 Helping your pe...

  • ProfitShare from Royal London - Royal London for advisers

    . 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 to an ongoing...

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    ProfitShare

  • Has your advice changed a life? - Royal London for advisers

    Has your advice changed a life? 29 July 2020 Share Share We believe financial advice has the power to change lives. That’s why we’re always looking for new ways to show the positive impact your services can have. Of course, the value of advice can take many forms – and to help bring this to life...

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    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

    ...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...

  • 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...

  • 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

  • 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

  • 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

  • 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

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

    1 in 4 of us is set to spend more than £20,000 on care in later life according to the report of the Dilnot Commission. At present there are virtually no financial products which allow people coming up to retirement to plan ahead for future care costs. Where such products have been on offer...

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    News

  • Safeguarding our strength for you and your clients podcast - Royal London for advisers

    Safeguarding our strength for you and your clients podcast Our CEO, Barry O’Dwyer and Chief Actuary, Shaun Cooper discuss our response to the current crisis and how we’re safeguarding our financial strength. Hear Barry discuss our operational resilience during the coronavirus outbreak and how he...

  • 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...

  • Steve Webb announcement - Royal London for advisers

    ...of financial advice including Royal London’s recently commissioned research on the value of advice which Royal London will continue to promote after I’m gone. In my new role I’ll still be out-and-about commenting on pensions issues and will continue to stress the value of impartial financial advice...

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    News

    Blog

  • 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

  • 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

  • Pension news from 2019 - Royal London for advisers

    ...on DB pension transfer advice which closed at the end of October 2019. Here we look at what we said in our response. FCA review of the financial advice market Jul 22 2020 The FCA is reviewing the impact that the Retail Distribution Review (RDR) and Financial Advice Market Review (FAMR) have had...

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    News

    Blog

  • 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

  • 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

  • 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

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

    : Financial Conduct Authority, Retirement Outcomes Review final report, June 2018 Financial Conduct Authority, Retirement Outcomes Review: Proposed changes to our rules and guidance, June 2018  About the author Justin Corliss Senior Pensions Development and Technical manager Justin’s first foray...

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    News

  • Risk attitude profiling questionnaire - introduction - Royal London for advisers

    ...questions on the Risk Attitude Profiling Questionnaire please contact investmentmarketing@royallondon.com Risk tolerance Your clients' risk tolerance will depend on their financial circumstances and goals. Financial risk tolerance can be split into two parts: Risk capacity - the ability to take risk...

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    Tools

  • Our fund managers - Royal London for advisers

    ...range, including funds managed by a number of external fund managers. Each of our external fund partners have their own investment style, and they include some of the biggest and most trusted names in the financial industry.

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    Fund information

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.