[email protected]

  • About Us
  • Events
  • Industry News
  • Infomix
  • Business Development Updates
  • Newsletter
Adviser Home
  • CPD Centre
  • Development Solutions
    • AXA Investment Managers
    • Tacit Investment Management
    • Aegon Corporate Protection
    • Tax Planning Support
    • Outsourced Investments
    • Orbis Invest Differently
    • Fidelity Adviser Solutions
    • Aegon - Supporting financial advice
    • Tax Planning Investments
  • Resources
    • Marketing
      • The Yardstick Agency - Organising events can generate new business. But is your presentation fit for purpose?
      • The Yardstick Agency - 4 powerful ways to grow your podcast audience
      • The Yardstick Agency - Harness LinkedIn’s power with these 6 practical ideas from our favourite experts.
      • The Yardstick Agency - Are brochures still relevant in 2022?
      • Faith Liversedge: How to convert clients to your ongoing service
      • The Yardstick Agency - 4 things you should never leave off your website’s fees page
      • Money Marketing - Podcast: Do we expect more for less from advisers?
      • AdviceBridge - The figures don’t lie: Why advice firms must provide all three engagement channels (adviser, digital, and hybrid) for all client types
      • Personal Finance Society - What It Means to Tell a Good Story About Your Business
      • The Yardstick Agency - 3 simple changes every adviser and planner can make now to get more referrals
      • The Yardstick Agency - 6 occasions when being too cautious will damage your marketing
      • Creating a successful digital advice model
      • Blogging Checklist
      • Marketing Checklist
      • SEO checklist
      • Website checklist
      • Corporate Design
    • Proposition
      • New Guide to Retirement Income Advice
      • Advisor Perspectives - You Provide More Value than You Realize
      • IFA Magazine - 4 things you’ve forgotten about the value of your advice
      • Royal London - Feeling the benefit of financial advice: How professional support helps to improve emotional wellbeing
      • FTAdviser - Q&A: Advisers are missing a trick with business protection
      • FTAdviser - How to get younger clients on board with financial advice
      • Money Marketing: The future of advice is going to be dynamic
      • Royal London - What stops people from seeking financial advice?
      • FTAdviser - If your business is to thrive, you will have to advise remotely
      • Always Be Content - Dare to Care: How Doing Good Helps Business Do Better
      • Finding your advice style with lifestyle planning
      • Aegon - How your clients can become a financial wellbeing ‘all-rounder’
      • Aviva - Generation rent: the protection they need
      • FTAdviser - How suitable are financial products for young savers?
      • AIG - How to: reinvigorate your critical illness sales process (CPD)
      • Royal London - Does sustainable investing belong in fixed income?
      • Advisor Perspectives - Why Prospects Choose You
      • Advisor Perspectives: 10 Signs You Need to Be a “Hybrid” Advisor
      • This is Money - Mind the money age gap: Research claims over-65s are smarter about pensions and investing due to a lack of financial education for the young
      • The Institute for Fiscal Studies - Understanding the gender pension gap
      • How to introduce clients to protection
      • Handling vulnerable clients who want equity release
      • Shift in retirement journeys set to reshape the market
      • Four in five UK adults say they don’t have a ‘pension will’
      • Combining pensions and property
      • The Value of Advice - an insiders guide
      • Adviser Home Guide to Innovation
      • Designing Your Service Proposition
      • Effective Cash Management
      • Business Protection
      • Rohan Sivajoti: The one page business plan
      • Protection conversations increasingly common for advisers
  • Sustainable Investments
  • About Us
  • Events
  • Industry News
  • Infomix
  • Business Development Updates
  • Newsletter

Weekly Updates

John Lappin

Our Industry Commentator with his top news links each week.

FCA retirement review surprises by highlighting harms from cash flow modelling

The FCA has told advice firms CEOs to improve their retirement service following a thematic review, as Citywire reports.

This may be the key sentence – “Most of the advice files the FCA reviewed showed advice provided was suitable. However, in a small number of instances recommendations resulted in consumers losing guarantees or incurring unnecessary charges.”

So by and large good news? The focus on cash flow modelling is certainly interesting and the FCA has even provided an article examining the issue.

It is worth considering the FCA’s view of what constitutes potential harm as follows, where advisers:

 do not consider how clients will interpret the output

project forward using returns that are unjustified and don’t result in realistic outcomes

do not consider the inputs and outputs objectively

In other new, SJP could become takeover target after £426m advice fee review say the analysts at RBC, as reported by New Model Adviser.

Intriguingly, they have downgraded SJP from ‘buy’ to ‘hold’, believing the business could become the target of M&A activity, which feels a little counterintuitive. Obviously, something to watch closely.

Cheshire-based Equilibrium Financial Planning has launched a service to make financial planning more accessible to younger people reports FTAdviser.

It will provide wealth management guidance to younger people who may have inherited property from family, have had successful careers early on, or who need a “lighter financial touch point”.

It is interesting to see a combination of light touch and family advice. Of course, policymakers want to see advice and guidance get to people who have not accumulated wealth yet.

Actually Equilibrium has gone part way to argue that advisers need to think about reaching younger people as the Professional Adviser take on the story shows here.

In Money Marketing Haydn Barlow, a chartered financial planner at Equilibrium Financial Planning, assesses some of the planning issues arising from the abolition of the Lifetime Allowance.

Has the inflation beast finally been tamed. Well, the Consumer Prices Index has fallen to its lowest level since 2021 at 3.4%. The Guardian reports on the issue with a thorough analysis.

It does point out (as does the Labour Party and trade unions) that families have faced a 25% increase in the cost of food since January 2022.

The Bank of England has decided to keep base rates on hold at 5.25% but markets are pricing in a cut relatively soon. Quite a nice analysis here from ING.

 

Back

Our Sponsors & Partners

Previous
Next

Contact Us

  • Partners
  • Contact Us
  • Terms & Conditions
  • Data / GDPR
  • Privacy Statement

Social

Follow us to stay up to date with the latest industry news

  • Twitter
  • LinkedIn

Newsletter Sign Up

Fancy getting all the latest news direct to your inbox?

Please do not fill in the above field to help us identify genuine requests.

We exist to help financial advisers run, develop and market their business

Adviser Home

© 2025 Adviser Home

Website by Clear

Back To Top

Sign up to the Adviser Home newsletter

Please leave the above box empty.

Are you an adviser or provider?

Find out more about our weekly bulletins here. You can unsubscribe from our communications at any time.

We’ll only use your data in compliance with GDPR. Our full policy can be found here.