Paraplanning

• DFM fears could be costing adviser firms

  

  Concerns adviser firms have about using a DFM – costs, performance and having clients stolen – are misplaced fears which could be costing them – and their clients – more than they know

• Are we due a recession?

  

  As the business cycle expansion continues, increasingly the recession question is being raised. Anthony Rayner, manager of Miton’s multi-asset fund range, takes a view

• Why retirees need more support than ever

  

  Peter Hopkins, technical director at AJ Bell, looks at the practical issues with which retirees now have to contend and the options they have when it comes to balancing the taking of income and leaving wealth to their beneficiaries

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• Pension Dashboard could help cut advice costs and prevent pension scamming

  

  Pensions Dashboard will help make pension advice more cost effective and so open up advice to more people. It could also help put an end to pension scams, says Kay Ingram, director of Public policy at LEBC Group

• Why it pays to check a client’s pensions death benefit nominations

  

  Using two case studies, Fiona Tait, technical director Intelligent Pensions, shows the importance of checking the client’s death benefit nominations are still appropriate

• Firms with pension transfers permissions can expect to hear from the FCA

  

  Risks brought in by pensions freedoms are under the FCA spotlight as the regulator carries out the final element of its four phase transfer advice supervisory project, says ATEB Consulting’s Steve Bailey

• 4 ways LISA can help meet younger clients’ investment objectives

  

  How can the much-maligned Lifetime ISA (LISA) be used to top up retirement savings or meet investment objectives for younger clients and their family members?

• 10 years into the bull market are we close to a crash?

  

  The current bull run has lasted close to ten years or to put it another way, it has been 3,453 days since the last bear market. The question on investors’ lips is, can the bull run continue?

• Reversing market trends now require hard assets

  

  David Jane, manager explains why the Miton multi-asset funds team, has been strengthening its portfolios with hard assets

• Pension switches: 4 essentials to stay compliant

  

  ATEB Consulting’s Steve Bailey analyses a recent FOS case and the compliance issues it flagged around pension switches

• Why the need for multiple tax wrappers for income?

  

  How might an adviser might best organise a client’s retirement and taxation affairs when utilising a platform?

• Advising on DB transfers: the income sustainability hurdle

  

  DB pension transfer advice has much in common with drawdown advice but with a fundamental difference, says Alastair Black, head of Financial Planning Propositions, Adviser & Wealth Management Propositions, Standard Life

• Case study: Mixed use property in SIPP and SSAS

  

  XPS Pensions Group’s Matthew Storey takes a case study of a client wanting to invest in mixed use property in their pension, and explains what the issues and solution would be