Welcome our blog. This is where we share thought-provoking, no-holds-barred opinions and commentaries on all things retirement income, financial planning and investing!
Paper TR13/5: 5 Commandments of Adviser-Charging
And the results are in! Well, sort of. Paper TR13/5 sets out the FCA’s initial assessment of how firms are getting on with the RDR. The tone of the report feels a bit like what you'll hear as school kids on the assembly line at the end of the school term when the...
Is the CFP Just Too Hard?
First I need to make it clear that I’m a big fan of the IFP and believe that the CFP programme is worthwhile, arguably required for anyone keen on demonstrating high level of professionalism in financial planning. My aim here is to provoke a debate about improving the...
The Scarcest Resource Within A Financial Planning Business
Since I attended a press launch of a new report titled No Small Change – Benchmarking The Adviser Business – put together by Clive Waller a few weeks ago, I have not been able to get the word ‘Rainmaker’ out of my head. I am now worried that this is an ‘ear-worm’ of...
AdviserHangout: Paul Resnik on The Science of Risk Profiling
I recently connected with Paul Resnik, Cofounder of Finametrica for the latest edition of AdviserHangout. I asked Paul his assessment of risk profiling tools in the UK and whether he though much has changed since the FSA's investigation two years ago identified that...
Financial Planning At The Cost of Gym Membership
Industry commentators will have us believe that one major downside to RDR is that financial planning is no longer available to middle Britain. Nothing is farther from the truth. Financial planning; real financial planning has NEVER been available to middle Britain. In...
Performance Attribution: Taking Credit Where None Is Due
A quick glance at major market indices showed that equity markets had stunning first five months in 2013. However, June is a different story altogether, the FTSE fell by 7% so far in June alone! The first 5 months of the year saw major markets producing returns...
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