Mark Rogers of Clay Rogers recalls how a couple used a Sipp to secure a tricky land purchase.
Radically reformed bank advice could be key to avoiding debt in retirement, but closures of major bancassurance arms as a result of the retail distribution review have replaced sales-driven bank advice with an advice gap.
With rising regulatory fees, levies from the compensation scheme, professional indemnity costs and a host of other pressures, it is clear why there is a lack of appetite to pay for representation. But it is equally clear that the chances of an IFA voice being heard in the corridors of power are waning.
Last week I travelled to Finchley in North London and to Chipping Norton in Oxfordshire to meet two advisers who ran very different operations, but both of whom had strong views on the state of the profession.
Paraplanner-adviser relationships are a hotchpotch of relationship types, Timebank's Damian Davies says.
Advisers from around the country give their view on the FCA’s platform paper.
We look into the AJ Bell Platinum Sipp, the specialist commercial property offering that allows part ownership and syndicated purchases.
Many people assumed knowing how much of a person’s care bill would be paid by the state would revolutionise care funding. It may well do so, but there will still be plenty of complexity: instead of a limitless liability, clients must time their spending to perfection, says Tish Hanifan of Society of Later Life Advisers.
Paul Taylor reveals the figures at the heart of McCarthy Taylor.
Savers face difficult decisions as annuities provide better overall retirement income despite the lowest rates on record, while drawdown, seen as the more flexible option, can leave savers worse off in the long term.
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