Planning

• DB pension transfer – consideration of death benefits and life cover

  

  Consideration needs to be given to life cover options when firms are assessing suitability of a DB pensions transfer, says ATEB Consulting’s Steve Bailey.

• Block transfers – why use them and how they work

  

  Jessica List, Pension Technical manager, Curtis Banks, examines the reasons why clients may want or need to carry out a block transfer to protect pension benefits and the rules applying to the transfer

• Picking up the pieces – how advisers can help after a market sell-off

  

  By Mickey Morrissey, head of distribution, Smith & Williamson Investment Management

More Articles

• Why and how power of attorney should be put in place for clients

  

  Grant Blakey, technical consultant at AJ Bell, considers the importance of your client’s having a power of attorney in place, the benefits of doing so and potential drawbacks if not.

• Why client calmness is an acid test of good advice

  

  Colin Dyer, head of Proposition and Private Client Management at 1825, talks to the firm’s approach to client relationships and surprise responses in the current crisis Sat at our desks at … Continued

• Dealing with vulnerable clients during the Covid-19 pandemic

  

  How the Regulator might expect firms to be dealing with vulnerable clients at this time

• Trust in the pension transfer

  

  What constitutes a recognised pension transfer? Gareth James, head of technical at AJ Bell looks at a recent court case where this became the focus of attention

• Tough decisions after TPR’s DB transfer suspension guidance

  

  Recent guidance from TPR on suspending DB transfers could seriously disrupt advised transfer cases

• ISA estate planning – growing opportunities and use of the APS

  

  The number of ISA millionaires is growing. Joshua Croft, technical consultant at AJ Bell, considers the need for ISA estate planning and the opportunities this offers advice firms.

• Ensuring client understanding in pensions transfer advice

  

  How can you ensure a client understands the advice and the recommendations being made in a pension transfer case? ATEB Consulting’s Steve Bailey looks at what COBS says, and where advice firms make mistakes

• SSAS and IHT planning

  

  Stephen McPhillips, technical sales director, Dentons Pension Management uses a case study to spotlight how using a SSAS in pension planning can help to mitigate inheritance tax

• Points to consider when clients access DC pensions early through ill-health

  

  Important planning points when advising clients looking to access their pension early

• Using a SSAS as a loan source

  

  SSAS offer an often overlooked source of finance available to clients, says Stephen McPhillips, Technical Sales Director, Dentons Pension Management