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You searched for the term value of advice Tom Dunbar financial advice research Your search returned the following 28 results...
 
  • Putting a number on the value of advice - Royal London for advisers

    Putting a number on the value of advice Tom Dunbar 27 January 2020 Share Share We recently worked with the International Longevity Centre to put a number on how much financial advice is worth to those who receive it. Here, Tom Dunbar elaborates on the findings of that research. There are many myths...

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

    ...for advisers Putting a number on the value of advice Tom Dunbar 27 January 2020 Share Share We recently worked with the International Longevity Centre to put a... Advisers remain resilient in the face of Covid-19 - Royal London for advisers ...for advisers Putting a number on the value of advice Tom...

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  • The lasting effects of lockdown - Royal London for advisers

    The lasting effects of lockdown Tom Dunbar 9 July 2020 New challenges, fresh ideas and how the future looks. It’s no secret the adviser community has been hugely affected by the ongoing COVID-19 pandemic. Social distancing measures mean they’ve been unable to have face-to-face meetings with clients...

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  • Steve Webb announcement - Royal London for advisers

    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 to anyone who...

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

    ...you’ll need to explain what the costs are. This is an opportunity for you to promote the value of your services and the benefits of financial advice.  We have a range of support material to support your client conversations about the financial and emotional benefits of financial advice, including...

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  • Making sure Pensions Dashboard does what it’s supposed to - Royal London for advisers

    ...be done isn’t yet clear. But one thing we do know is that, if it’s used in the right way, it could become a very powerful engagement tool for providers and customers. Not to mention the benefit for advisers - as a more engaged consumer is more likely to seek, and see the value in advice. About...

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  • Looking after your client’s financial wellbeing - Royal London for advisers

    ...wellbeing 17 April 2020 Share Share During these difficult and challenging times, whether it’s your individual... 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...

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

    , the client can’t use this as evidence of having taken advice to then proceed on an insistent basis. But an appropriate pension transfer analysis (APTA) or transfer value comparator (TVC) isn’t needed which will further reduce time and cost of providing abridged advice. So, won’t advisers just find a way...

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  • New Defaqto drawdown guide - ‘Using drawdown to provide a sustainable income’ - Royal London for advisers

    ...pensions technical experts to produce a detailed drawdown guide – packed with facts and tips to help advisers research and provide compliant recommendations to their clients. The guide is split into two sections: 1. The advice process This section provides structured CPD and gives advisers helpful...

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  • Coronavirus scams - how to spot and avoid them - Royal London for advisers

    ...their pension before age 55. Clients could incur massive tax charges of 55% of their pension savings in addition to the scammers’ fees, which could be up to 30% of the value of your client's savings. And in some cases, clients could lose all their money. Clients should also watch out for offers of free...

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  • 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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  • Contingent charging for pension transfers - Royal London for advisers

    ...identifiable circumstances, which may make a transfer more likely to be suitable for them, but who were unable to afford advice on a non-contingent basis. There were two criteria that meet the carveout requirements, and they're called serious ill health and serious financial difficulty. Details can...

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  • 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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  • Revisiting the workplace pension market - Royal London for advisers

    Revisiting the workplace pension market 28 May 2021 Justin Corliss, Senior Development and Technical Manager, looks at the opportunities available to advisers in the workplace pension market. The advice industry has played a significant part in the success of auto-enrolment, not only in helping...

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  • Responsible investment and regulation - Royal London for advisers

    ...right Fiona, absolutely. So, this amendment to Article 25 of MiFID II, I think this is the big one as far as the financial planning community is concerned because what it's doing is, it's injecting sustainability, right into the heart of the advice process. FH: And how exactly does it do that? RM...

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  • 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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  • Helping clients help their families in lockdown - Royal London for advisers

    ...of £10,000. On a family basis, that's 121.8% tax relief (£3,200 IHT, £4,000 income tax, £2,545 child benefit tax back). Building relationships with family members  Recent research by Quilter shows that demand for financial advice has increased among many age groups amid the pandemic, but 18-30s have...

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  • Retirement Outcomes Review – Part 2 of 2 - Royal London for advisers

    ...transaction costs and advice costs, they have paid on their pension pot in the yearly statement.  The information must be totalled and provided in cash terms. Our view on actual costs and charges information Customers should know how much they have paid in all costs and charges on their pension plan...

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

    ...their value. If your processes aren’t as robust, and you have no formal mechanism in place to review your drawdown clients, now might be the time to review your overall CRP and advice processes. The last 12 months has shown just how risky drawdown can be and the impact that market drops can have on clients...

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  • Schools of thought - Royal London for advisers

    ...if they stayed in TPS compared to what they might get in the proposed DC alternative.  Does the school have the resources to afford guidance or financial advice for individual members to maximise the possibility of good outcomes and minimise the possibility of complaints? c)      Perhaps most importantly...

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  • Workplace pensions and pension transfers - Royal London for advisers

    ...are and are not justifiable reasons to discount the workplace pension scheme. So the FCA say you can discount the workplace pension scheme. If the workplace pension scheme doesn't accept transfers in, then I suppose that one's fairly straightforward. The advice sets out how and why the member will access funds within 12...

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  • Pension holiday article - Royal London for advisers

    ...and stock markets plunging, leaving investors concerned about the value of their investments and looking to mitigate the damage. These are all issues that can affect the pension market as people make knee-jerk decisions to cut or even stop, their contributions. While they may do this as a short-term...

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  • Teacher's Pension article - Royal London for advisers

    ...consultation conclusions are: Although there would be limited immediate financial impact from phased withdrawal, this would increase over time. The measure would assist some schools in managing the increased cost of TPS membership. The measure is likely to result in more teachers retaining access...

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  • Helping your workplace clients stay on top of their employer duties - Royal London for advisers

    ...the regulator has relaxed this just now and issued guidance instead. Changing employment rights, including any salary exchange agreements can be a complex area in contract and pensions law and getting financial or legal advice can help. Get help and support, don’t just stop direct debits. If your workplace...

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  • Destination workplace - Royal London for advisers

    ...concern that too many transferring clients are recommended complicated highly charged investment strategies requiring ongoing advice when their circumstances suggest a more basic, low cost plan would be more suited to their needs. For some people this will be the right answer, but it won’t be right...

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  • Could you use a pension to offset ISA losses? - Royal London for advisers

    research standards within the Financial Services Industry. Taking up a new role as an Intermediary Development & Technical Manager at the start of 2011, Craig is a specialist in interpreting and explaining changes to the pension rules and regulation. Craig is involved in developing adviser facing content, presenting, writing articles and commenting for the press. Craig is an avid rugby fan and continues to follow the lows and lows of Scottish rugby.

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  • NHS pensions update - Royal London for advisers

    ” deduction. In Scotland, NHS staff have been given the option of taking the value of their employer’s pension contribution as an addition to basic pay. We’ve not yet seen a Government response to its 2019 consultation on increased flexibilities for the NHS pension scheme, although the Chancellor has...

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  • 2021 Public Sector Pensionsupdate - Royal London for advisers

    ...of the “hygiene” factors to consider with their clients, to ensure that the advice process is sound and all relevant issues considered. Additionally, members should be encourage to review their pay and service histories now(ish) and throughout their careers. It could be difficult for scheme...

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