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 sponsored 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.
Annuities continue to play an important role in retirement planning, especially when it comes to securing a guaranteed income in later life.
Royal London look at how a change in relationship status later in life can impact financial planning for your clients.
At the moment the talk of the pensions world is the complex tapered annual allowance which can leave higher earners with hefty tax bills.
Nobody really doubts that Pensions Dashboard will be good for most consumers.
My career has taken an unusual path over the past 24 years having started out at a life office in direct sales...
Perhaps income protection and critical illness cover could be even more important than life insurance for your clients.
The average private pension wealth of Generation X is £70,400, but is this enough to ensure a comfortable retirement, asks Victoria Ticha?
Protection providers are wooing Generation X customers with added benefits, bu is it working, asks Damian Fantato?
First-time parents often underestimate many costs so some careful financial planning is a good idea, writes Simoney Kyriakou
Renovating a home could have an impact on your client’s savings and income.
Self-employed workers may not believe they need protection but may leave themselves financially vulnerable...
Protection is not high on clients’ list of priorities but it should be. The industry needs to work to raise awareness of the many benefits.
How to help the ‘sandwich generation’ – the Just About Managing middle aged – to make the most of their pension pots.
Yesterday I witnessed an accident between a small family car and a huge lorry making deliveries in the city centre.
I’ve just returned from a mini-break in Tenerife. Twenty girls on a hen weekend, so you can imagine there was a fair bit of eating, drinking...
There’s no avoiding the fact that life can be a risky business. You only have to tune into news reports to see how easily and unexpectedly...
We consider the progress of the FCA’s Advice Unit as well as the most recent proposed guidance on insistent clients.
The so-called squeezed middle need to consider various protection options, writes Ellie Duncan.
A few months ago my brother casually dropped into conversation that he hoped it was ok that he’d put me down as the guardian of his...
Getting the so-called Generation X to save more into their pensions, at a time when they might be most financially stretched, is a challenge.
The Retail Distribution Review (RDR) brought many benefits to the UK pension industry, but it also created an advice gap…
Royal London commissioned Opinium to run our State of the Protection Nation research to find out how people felt about their own...
Our latest policy paper reveals what the fall in the savings ratio does (and doesn’t) mean.
New research shows those customers who receive financial advice can be better off on average by £40,000.
Transfers to overseas pension schemes are not recognised transfers unless the transfer is to a Qualifying Recognised Overseas Pension Scheme.
Family planning is not just about how to pay for 2.4 kids and a dog; it’s about creating sustainable wealth that can pass through the generations.
Three million workers missing out on £2 billion of 'buy-one, get-one free cash' from their employers.
New HMRC figures show number of ‘mothers missing out on millions’ in pension rights has doubled in two years – Steve Webb
We want to make trusts as easy as possible for you.
Jamie Clark gives the lowdown on what happens when an employer fails to pay auto-enrolment fines.
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.
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.
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.