Financial planning – Is it pointless to be too precise?

A great deal of financial planning is related to the future. That in itself creates huge challenges as any plan we create is inevitably going to have elements of error. As a profession, financial planning appears to becoming increasingly precise about a future we...

Defined Benefit Transfer Advice – It’s only advice

Following the sweeping changes to pension legislation, combined with financial advisers concerns over compliance and PI cover in the area of Defined Benefit Scheme transfers, I thought I would give my two pennies worth of thoughts on the matter. Presently, we appear...

Simple Advice – Not quite so simple

I’ve heard many people discuss the need for simplified advice, yet how can simple advice be appropriate without taking account of a client’s personal and financial situation, their tax status and the options available to them, amongst other considerations. In essence,...

The FCA. Do we still need it?

I’m sure you are all wondering whether the heat has gone to my head with that headline. I can assure you it hasn’t! The costs of the FCA are burdensome and escalating and there’s still widespread financial nonsense taking place. I’ve therefore...