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I’ve always enjoyed Abraham’s work – not many people manage to cut to the chase in such fine style. Although some may be uncomfortable with him turning over stones that they would prefer to remain untouched, his drive to improve future standards should be lauded and applauded rather than feared.
This is excellent – refreshing, honest, real and insightful. Finally a piece of research, which looks at platforms as real businesses, not theoretical IT concepts. Sustainability is the elephant in the room and this shines a light on it in a way which I’ve not seen in a long time.
This guide will save advisers several hundred pounds worth of chargeable time gathering and analysing the data for themselves. It also highlights two key issues which will affect the viability of platforms in the near future: unbundling and re-platforming.
We initially engaged with FinalytiQ to carry out some firm-level research for our Investment Processes along with Platform Due Diligence and two individual client reports. We were so impressed with the quality of the research that we decided to outsource all our research work to them. FinalytiQ are both highly qualified and local, and really interested in getting involved in our business, which is a great asset.
I had the honour of meeting legendary Bill Bengen of the Safe Withdrawal Rate fame last week. Our meeting took place near his home in Palm Springs, California. Given his accomplishments, he struck me as a very humble and down-to-earth person, a rare virtue in...read more
One crucial but often forgotten point about Bengen’s Sustainable Withdrawal Rate (SWR) framework is that SWR is defined as a percentage of the capital only in the first year of retirement. Subsequent withdrawals in £ terms are adjusted for inflation, regardless of the...read more
If I had a pound for every time someone in financial services talks about spending in retirement as being 'U-shaped', I'll probably have enough money by now to never have to work again! You've probably seen this image on spending needs in retirement before. It's a...read more