What can you really do to support vulnerable clients?
Following consultation, the FCA published final guidance on vulnerable clients in February 2021 (FG21/1). We wrote about this topic and […]
Alistair MacDougall
Managing drawdown
In recent months, firms have been asking us about the process for managing drawdown plans. What do the rules require? […]
Abridged advice – how is it going so far?
Based on data and live visits to firms during the period from April 2015 to rule changes in 2018 and […]
Cryptocurrency prohibition
It is likely that all our readers have heard of cryptocurrency, probably in the guise of Bitcoin. This cryptocurrency and […]
Back to basics
It will be a surprise to few in our industry that those firms involved in defined benefit pension transfer business […]
FG 21/3 – charging for DB transfer advice
Everyone involved with defined benefit pension transfer advice should by now be very aware that contingent charging is banned for […]
FG21/3 – Appropriate Pension Transfer Analysis (APTA)
COBS 19.1.2 states … “To prepare an appropriate transfer analysis a firm must: (1) assess the benefits likely to […]
ESG, ESG, ESG!
Well, 21 March has come and gone and, while it is presumed that the EU’s new disclosure rules around sustainable […]
FG 21/3 – client objectives
Following on from our previous articles on FG21/3, we will look today at another of the interesting areas covered by […]
A closer look at FG 21/3 – finalised guidance on transfers
In our recent article giving an overview of Finalised Guidance (FG 21/3), we indicated that we would pick out a […]