Royal London

Preparing for later life

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.

Can you put a hat on?

You might think the question in the title is a strange one.

Millennials (1980s - 2000s)

Future gazing, present-day preparation

Millennials have enough to worry about instead of thinking about retirement. Simoney Kyriakou reports.

Millennials (1980s - 2000s)

Employer fined for failing to pay AE fines

Jamie Clark gives the lowdown on what happens when an employer fails to pay auto-enrolment fines.

(Generation X - Pensions)

Are you talking to clients about retirement planning?

More people are using income drawdown than ever before...

(baby boomers - pensions)

DB transfers – one more factor to consider

We look at how higher DB transfer values could cause a lifetime allowance issue and how that affects the advice process.

Baby Boomers (1940s - 1965)

Guarantees in the retirement income market

Do guarantees benefit customers and if so, when?

Baby Boomers (1940s - 1965)

Scheme pays explained

We've received lots of queries on scheme pays and when it can be used. This article explains how it works and the conditions which apply.

Baby Boomers (1940s - 1965)

Trusts. Easier than you think?

Less than 5% of our personal protection plans are written in trust.

Baby Boomers (1940s - 1965)

Creating opportunity out of change

The buy-to-let market has been the subject of a raft of tax changes all of which make it a less profitable and less appealing proposition for investors.

Generation X (1960s - 1985)

Life begins at…

Having reached a certain age, I’m having to come to terms with the fact that my peers and I aren’t as immune from illness or death as we’d like to think.

Generation X (1960s - 1985)

‘Nuclear Deterrent’ needed for employers with DB schemes

We take a look at the main findings into the collapse of BHS and the impact on its pension scheme, the Work and Pensions Select Committee.

Generation X (1960s - 1985)

Generation rent

What does generation rent actually mean for consumers and advisers and has the face of the typical renter changed?

Millennials (1980s - 2000s)

Keep calm and carry on?

It’s part of Britain's quirky cultural behaviour – like forming orderly queues, or saying sorry when it’s not our fault.

Millennials (1980s - 2000s)