Aggregated costs and legacy trail commission
"Aggregated costs disclosure". A phrase that, even nearly three years after it became a requirement under MiFIDII, probably still sends…
2017
ESG investing – new rules coming along soon
Recently, it seems that hardly a week goes by without there being some financial media article about Environmental, Social and…
5MLD – the Trust Registration Service scope widens
The new rules, transposing the Fifth Money Laundering Directive (5MLD) into UK law took effect on 10 January 2020. You…
Reasons for recommending a transfer or switch that are open to challenge
The FCA's recent consultation paper CP19/25 is the Regulator's latest attempt to resolve the predominance of poor advice on pension…
Ongoing reviews and value for money
Following a review of its client bank, Standard Life's restricted advice business, 1825, announced that it would be 'dropping' 750 clients after…
Pension Transfers – the ‘Why now?’ question
When we review transfer cases, we consider three different elements of the advice. The first two are: the suitability of…
Pet hates of a file reviewer – the sequel!
Way back around Christmas 2017 (seems such a long time ago now), we published an article entitled Pet Hates of a…
IR35 and self-employed advisers
It is unlikely that any of our readers will not be aware, at least passingly, of the 'Intermediaries Legislation' more commonly…
FCA to review the impact of RDR and FAMR
RDR and FAMR Review Initially due to be undertaken in 2017, the FCA’s review of the Retail Distribution Review (RDR)…
Final phase of the FCA’s transfer review starts
The final phase of FCA four phase transfer advice supervisory project is about to start. BackgroundThe pension freedoms, introduced by…