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Administration has a nasty habit of filling the time available. Time spent on data entry, chasing paperwork, switching between systems, producing reports manually and staying on top of compliance requirements has steadily expanded. Unfortunately, that means the enjoyable work – understanding clients, helping them make good decisions, being there at moments of uncertainty – tends…
Every UK Financial Adviser is aware of the proposed changes to the Inheritance Tax (IHT) treatment of unused money purchase pension funds from 6 April 2027. While much attention has focused on the tax implications, some fantastic work by a Chartered Financial Planner, Rhiannon Gogh (CEO of SENDA), got me thinking about how families can…
For professional advisers only. Every adviser has had the conversation. A client decides their cash should be working harder, and the only obvious answer is to move it off platform – out of sight, out of the financial plan, and into a bank account. The trouble is what that answer costs. Once money leaves the…
Advisors and investors have long returned to the traditional 60% equity/40% bonds portfolio to balance risk and return. However, with an increased emphasis on client composure and the investor experience, incorporating the LV= Fixed Term Investment (Protected Retirement Plan), or FTI, into your financial planning could allow you to strike a better balance. This article…
Most investment conversations still start with a risk profile. Low risk. Medium risk. High risk. Then a portfolio is selected, and the recommendation flows from there. But as highlighted during our recent conversation with Andrew Spence, Founder and Chief Executive at Aspen, and Lewis Brasseaux MCSI, Head of Distribution at Aspen, that approach does not…
In this Q&A, senior portfolio manager Daniel Nilsson – who started his career as an IFA – discusses some of the key changes in the investment world over the last decade. He also outlines what he would like to change about the industry if he could… What’s the biggest change you’ve seen in the industry…
Running an advice business today looks very different from even a year ago. Simply experimenting with artificial intelligence is no longer enough. AI is changing the way financial advisers work, with 74% now using AI in their advice processes, according to our 2026 advice efficiency survey of 209 respondents. So far, the focus has been…
The financial planning profession is evolving, and the advisers we speak to increasingly feel that conversations with clients are evolving too. Financial advice is moving beyond risk profiling as a means of finding a suitable investment solution. Instead, the focus is shifting towards discussions about goals, time horizons and client objectives. Key Points Financial advice…
Markets have re-entered choppy waters – and clients are feeling it. Volatility is once again a defining feature of the investment landscape. For financial advisers, this means two things: portfolio resilience is being tested, and client confidence is under pressure. Key Points Volatility is once again a defining feature of the investment landscape. Smoothing can…
Written by: Dr Isaac Kean, Market Insights, Tatton Investment Management Investors often talk about capital markets like they’re people. Markets “expect” lower interest rates. They get “excited” about stimulus. They “want” certainty. This isn’t shorthand — it reflects something real about how markets work. Key Points Prices reflect aggregate probabilities about future outcomes. Markets, like people,…
