I do sometimes wonder if its one rule for one (clients) and another for us (advisers). An example of this was in the financial press this week. On the one hand the First Tier tax tribunal (part of HMRC) imposed a £4,000 unauthorised payment surcharge on a private individual, for breaching pension tax rules by […]
We love being in the Financial Services business. We take a real sense of achievement and satisfaction in being able to help clients to fulfil their ambitions, it’s really rewarding. It’s also nice to be able to make a decent living as well along the way. But, sometimes (no – most of the time actually) […]
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Our adviser Adele Cowgill has passed yet another specialist examination. Adele has been awarded a Level 4 Certificate in Long Term Care and Later Life Planning by The London Institute of Banking and Finance. This adds another layer of specialism for the firm in the area of long-term care planning. Anyone seeking advice in this […]
The Personal Finance Society (PFS) has recently launched the concept of a “Gold Standard” kite mark for advice firms providing defined benefit (final Salary) pension transfers. As Pension Transfer Specialists with specific expertise in this area, we have applied to the PFS for the permission to display the new Gold Standard. Hopefully, the standards will […]
As a consumer you could be forgiven for wondering whether the Financial Conduct Authority (FCA) is there to help protect you or is actually doing exactly the opposite. Especially when it comes to pensions regulation. On the one hand the FCA has raised the Financial Ombudsman Service (FOS) compensation limit from £150,000 to £350,000, which […]
Please be aware that telephone “cold calling” about pensions was banned back in August 2017 and this includes e mails and text messages. So, if you receive a telephone call, e mail or text about your pension – just ignore it. Unless of course the call or e mail is from your financial adviser, who […]
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