Stop telling us pensions are more important than living for today!

Guy Opperman, the UK Pensions Minister, supports continuing to auto-enrol breadwinners into pension schemes during the cost-of-living crisis, suggesting that everyone agrees the more prominent people’s pension pots, the brighter is their future. Not everyone agrees. I don’t. And I’ve been a leading pension professional for 40 years, heading up pensions for brands now part … Continue reading Stop telling us pensions are more important than living for today!

Challenges Ahead: Financial Advisers And A New Consumer Duty

The Duty will include requirements for firms to end rip-off charges and fees. The FCA's Consumer Duty will lead to a major shift in financial services | FCA - PS22/9 12.9 By the end of October 2022 (UK) adviser firms' "boards" should agree implementation plans (PS22/9 12.9). What should financial advisers be thinking about for … Continue reading Challenges Ahead: Financial Advisers And A New Consumer Duty

How To Navigate Happiness: A low-cost approach that everyone can afford

HapNav provides a cashflow baseline for every user to just set up and take away on their own for a few years. "Growth forward is made possible by the feeling of being safe, of operating out into the unknown from a safe home port, of daring because retreat is possible." - Richard Barrett, A new … Continue reading How To Navigate Happiness: A low-cost approach that everyone can afford

What a fabulous career choice this NIFP network has turned out to be.

Our planning model removes product intermediation from the advice process. It’s absolutely amazing when you take the blinkers off; we open up vast horizons of planning opportunity. The likes of which we have never seen before. For example: Planning 100 employees all at once with one planner as part of an employee financial wellbeing programme.Creating … Continue reading What a fabulous career choice this NIFP network has turned out to be.

The Ultimate Stakeholder Win-Win Proposition

Good brands and stakeholders Question: You may choose to answer this on the Facebook pages as I believe it is a vibrant subject. Very timely and pertinent to the malaise of beleaguered businesses right now. Especially the SME enterprises, and I suspect it is because many HR people do not appreciate the relationship between the business owner and … Continue reading The Ultimate Stakeholder Win-Win Proposition

Employee financial planning apps for well-being at work

http://www.hapnav.com Financially disorganised employees are the source of low productivity and reduced efficiency in the workplace. It’s a no-brainer that an engaged and stress-free workforce will be more productive and bring more value to the organisation than a team of financially stressed employees. So, what difference can an employee financial planning app make to your … Continue reading Employee financial planning apps for well-being at work

Generation Cast Out: How To Cope When Forced To Retire

Older workers are being pushed out of jobs and into retirement, reports today’s Telegraph. https://www.telegraph.co.uk/pensions-retirement/financial-planning/pushed-work-age-mid-lifers-face-ruin-pensions-run-dry/ Bullet points: Forced to spend pensions sooner than planned.Un-employment in over 50s rocketed. Age discrimination is rife.Over half a million silver workers left employment since the pandemic.Two-in-five older unemployed still out of work after a year. Shut out and left … Continue reading Generation Cast Out: How To Cope When Forced To Retire