Consumer Duty – the shape of things to come?
In its numerous publications prior to the implementation of Consumer Duty, the FCA promised that it would be more proactive […]
FCA
The replacement business blind spot?
We’ve been involved with a number of firms who are on the acquisition trail and as part of the due […]
What story do your files tell?
The FCA’s Retirement Income Advice thematic review seems to be gathering momentum and the latest developments come as no surprise. […]
Adviser charges in perpetuity?
Here’s a question. What happens to ongoing adviser charges if the adviser dies? This came up recently when […]
FCA Retirement Income Advice Survey – a threat or an opportunity?
We drew attention to the FCA’s Retirement Income Advice Survey in our ‘What lies beneath?’ article last month and there […]
What lies beneath?
One of the FCA’s recent publications, Regulation Round Up, contained several interesting articles. Of course, Consumer Duty occupied plenty of […]
Consumer Duty – adviser charging and risk premium
At a recent compliance seminar, there was much discussion about adviser fees in light of the imminent Consumer Duty requirements. […]
The ongoing advice charge conundrum
A high proportion of advice firms operate a largely recurring income model and with this comes the obligation to conduct […]
Do you mark your own homework?
Most firms will have at least vague recollections of the FSA’s thematic review of pension switching and the report it […]
Consumer Duty – Identifying Foreseeable Harm
Niels Bohr, the Nobel laureate in Physics and father of the atomic model, is quoted as saying, “Prediction is very […]