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.

Think jam today, not just tomorrow

How sensible financial planning can help those in their 50s and 60s lead a long and stress-free retirement. Samantha Downes reports

55 and beyond

Time to stop the salami slicing on tax relief

As the Autumn statement approached Steve Webb calls for the Government to stop tinkering with tax relief.

40s and 50s

Parental leave and pensions

We are often asked how parental leave impacts workplace pension schemes in terms of funding in general, auto enrolment and salary exchange.

20s and 30s

Doing the Right thing

Why value-added services matter

55 and beyond

Auto enrolment

So far so good

40s and 50s

Protection starts when you’re young

It may never happen – but when it does, who will support your clients?

20s and 30s

Early starter

Young people are starting to get the long-term savings bug, as Aamina Zafar reports.

20s and 30s

Unfinished Business

Fiona Tait gives an update on 3 big announcements from the 2016 budget

40s and 50s

Pension investment strategy

Are Target Date Funds the future for UK DC scheme members?

20s and 30s

Safety net for your golden years

When you’re young and healthy, the need to protect your standard of living might not cross your mind. Fiona Nicolson reports.

55 and beyond

Pensions – not wasted on the young

Why 20 and 30-year olds need to become more engaged with long-term retirement savings. Marc Shoffman reports

20s and 30s

More than just a protection plan

Parents must take out income protection to shield their children from financial turmoil, experts have warned. Aamina Zafar reports

20s and 30s

What exactly is product innovation

Do clients really need new products?

55 and beyond

Generation Rent

What does it mean for advisers and consumers?

20s and 30s

Is now a good time to be discussing protection?

The effect of the Interest Rate

20s and 30s

Keep calm and carry on?

Talking about mental health

40s and 50s

Life begins at...

The importance of critical illness cover

40s and 50s

Scheme pays explained

What is scheme pays and when can it be used?

55 and beyond

Lifetime ISAs – International Evidence

Since the announcement in March, the Lifetime ISA (LISA) has attracted controversy.

20s and 30s

Drawdown governance – how much income are people taking?

Royal London’s Drawdown Governance Service (DGS) is now live.

55 and beyond

Shock and awe

Tough tactics are needed to get young people aware of the need for insurance products, Aamina Zafar reports.

20s and 30s

See how easily you can double your clients’ cover

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.

20s and 30s

Pensions, platforms and the youth of today

Technology can engage the Millennials in far better ways than the older generation received pensions information. Marc Shoffman reports.

20s and 30s

Value for money in DC pensions

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).

40s and 50s

Covering the gap

People aged in their 40s and 50s have many financial commitments but protecting themselves against the worst is essential for peace of mind.

40s and 50s

In for a shock

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.

40s and 50s

The death of retirement

A boost for protection?

40s and 50s

Lifetime ISA – How it works

According to George Osborne "people like ISAs – because they’re simple". Fiona Tait is not convinced…

20s and 30s

Life cover for life

Recommending whole of life plans for more
than IHT

40s and 50s

How to use wills to protect your clients’ wishes

A will to protect

55 and beyond

Spring has sprung

Tidying up your clients’ finances

40s and 50s

Why your clients need some tough love

Being upfront and honest in a relationship is key, but how does this translate to the world of finance?

40s and 50s

Getting engaged young

Technology can help providers reach Generation Y

20s and 30s

Support for the Squeezed Middle

The gap in retirement savings

40s and 50s

A Modern Horror Story

Some things to consider

20s and 30s

I don't need Protection, I'm Young!

A look at the risks and realities

20s and 30s

Pensions Through
the Ages

In-depth research into pension savings

20s and 30s

Lisa-nce to save

The Chancellor has announced a new Lifetime Isa

20s and 30s

The Savvy Consumer

The one who knows

40s and 50s

Shock - People Not Saving Enough

Research into retirement savings in the UK

55 and beyond

Retirement Income Market - FCA Data

We summarise FCA's latest report

55 and beyond

The age of protection

With longer life comes better understanding of health and healthcare issues – but are people protected?

55 and beyond