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 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.

Why annuities still have a place in retirement

Annuities continue to play an important role in retirement planning, especially when it comes to securing a guaranteed income in later life.

Generation X (1960s - 1985)

Finances and finding ‘the one’ later in life

Royal London look at how a change in relationship status later in life can impact financial planning for your clients.

Generation X (1960s - 1985)

Navigating the taper

At the moment the talk of the pensions world is the complex tapered annual allowance which can leave higher earners with hefty tax bills.

Generation X (1960s - 1985)

So what does Pensions Dashboard mean for advisers?

Nobody really doubts that Pensions Dashboard will be good for most consumers.

Generation X (1960s - 1985)

Better protection conversations

My career has taken an unusual path over the past 24 years having started out at a life office in direct sales...

Generation X (1960s - 1985)

The risk your clients face without income protection

Perhaps income protection and critical illness cover could be even more important than life insurance for your clients.

Generation X (1960s - 1985)

Retiring in comfort

The average private pension wealth of Generation X is £70,400, but is this enough to ensure a comfortable retirement, asks Victoria Ticha?

Generation X (1960s - 1985)

Protection with benefits

Protection providers are wooing Generation X customers with added benefits, bu is it working, asks Damian Fantato?

Generation X (1960s - 1985)
cinema food

Bringing up baby

First-time parents often underestimate many costs so some careful financial planning is a good idea, writes Simoney Kyriakou

Generation X (1960s - 1985)

The home of your dreams or a possible nightmare

Renovating a home could have an impact on your client’s savings and income.

Generation X (1960s - 1985)

Fit for work?

Self-employed workers may not believe they need protection but may leave themselves financially vulnerable...

Generation X (1960s - 1985)

A price worth paying

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.

Generation X (1960s - 1985)

Jam today, nothing tomorrow?

How to help the ‘sandwich generation’ – the Just About Managing middle aged – to make the most of their pension pots.

Generation X (1960s - 1985)

Accidents will happen

Yesterday I witnessed an accident between a small family car and a huge lorry making deliveries in the city centre.

Generation X (1960s - 1985)

Something chronic

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...

Generation X (1960s - 1985)

Life! It’s a risky business

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...

Generation X (1960s - 1985)

If you insist...

We consider the progress of the FCA’s Advice Unit as well as the most recent proposed guidance on insistent clients.

Generation X (1960s - 1985)

Getting 35-55 year olds covered

The so-called squeezed middle need to consider various protection options, writes Ellie Duncan.

Generation X (1960s - 1985)

Thanks for asking!

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...

Generation X (1960s - 1985)

How to help the “lost generation” of pension savers

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.

Generation X (1960s - 1985)

A nudge in the right direction

The Retail Distribution Review (RDR) brought many benefits to the UK pension industry, but it also created an advice gap…

Generation X (1960s - 1985)

Consumer attitudes to protection

Royal London commissioned Opinium to run our State of the Protection Nation research to find out how people felt about their own...

Generation X (1960s - 1985)

Has Britain really stopped saving?

Our latest policy paper reveals what the fall in the savings ratio does (and doesn’t) mean.

Generation X (1960s - 1985)

Financial advice can benefit customers by £40,000

New research shows those customers who receive financial advice can be better off on average by £40,000.

Generation X (1960s - 1985)

Overseas transfer charge

Transfers to overseas pension schemes are not recognised transfers unless the transfer is to a Qualifying Recognised Overseas Pension Scheme.

Generation X (1960s - 1985)

It's a family affair

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.

Generation X (1960s - 1985)

Workers are missing out

Three million workers missing out on £2 billion of 'buy-one, get-one free cash' from their employers.

(Generation X - Pensions)

Mothers missing out on millions

New HMRC figures show number of ‘mothers missing out on millions’ in pension rights has doubled in two years – Steve Webb

Generation X (1960s - 1985)

Trusts are more versatile than you think

We want to make trusts as easy as possible for you.

(Generation X - Pensions)

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)

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)