The FCA’s final FAMR report into the provision of financial advice recognises that financial advice is a lifelong need, with clients requiring different services at different stages of their lives.
The purpose of this Royal London information hub is to focus on the different stages of life and to help you work with your clients to identify what financial planning they require and when, including protection for the family if they are unable to continue to provide for them, or using their retirement savings sensibly and efficiently.
How sensible financial planning can help those in their 50s and 60s lead a long and stress-free retirement. Samantha Downes reports
As the Autumn statement approached Steve Webb calls for the Government to stop tinkering with tax relief.
We are often asked how parental leave impacts workplace pension schemes in terms of funding in general, auto enrolment and salary exchange.
Why value-added services matter
So far so good
It may never happen – but when it does, who will support your clients?
Young people are starting to get the long-term savings bug, as Aamina Zafar reports.
Fiona Tait gives an update on 3 big announcements from the 2016 budget
Are Target Date Funds the future for UK DC scheme members?
When you’re young and healthy, the need to protect your standard of living might not cross your mind. Fiona Nicolson reports.
Why 20 and 30-year olds need to become more engaged with long-term retirement savings. Marc Shoffman reports
Parents must take out income protection to shield their children from financial turmoil, experts have warned. Aamina Zafar reports
Do clients really need new products?
What does it mean for advisers and consumers?
The effect of the Interest Rate
Talking about mental health
The importance of critical illness cover
What is scheme pays and when can it be used?
Since the announcement in March, the Lifetime ISA (LISA) has attracted controversy.
Royal London’s Drawdown Governance Service (DGS) is now live.
Tough tactics are needed to get young people aware of the need for insurance products, Aamina Zafar reports.
Some customers arrive at your door knowing how much cover they want. What they seldom know is how much cover they actually need and this is where the advised sale can help.
Technology can engage the Millennials in far better ways than the older generation received pensions information. Marc Shoffman reports.
The Pension Policy Institute (PPI)’s recent report “Value for money in DC pensions” tries to identify factors by which people can assess whether their pension offers fair value for money (VFM).
People aged in their 40s and 50s have many financial commitments but protecting themselves against the worst is essential for peace of mind.
People in their 40s who believe the state will provide for them when they retire are going to be in for a shock, Fiona Nicolson reports.
A boost for protection?
According to George Osborne "people like ISAs – because they’re simple". Fiona Tait is not convinced…
Recommending whole of life plans for more
A will to protect
Tidying up your clients’ finances
Being upfront and honest in a relationship is key, but how does this translate to the world of finance?
Technology can help providers reach Generation Y
The gap in retirement savings
Some things to consider
A look at the risks and realities
In-depth research into pension savings
The Chancellor has announced a new Lifetime Isa
The one who knows
Research into retirement savings in the UK
We summarise FCA's latest report
With longer life comes better understanding of health and healthcare issues – but are people protected?