Industry news and views from Panacea and our partners.
Retirement_
Free guide to investing in retirement age available from AILO
The Association of International Life Offices (AILO) offers a free guide to help those of retirement age make decisions about how to use an established pension pot.
Royal London: Our new At Retirement tool will help you establish what income your client needs in retirement and demonstrate the options available to meet their needs.
Our new At Retirement tool will help you establish what income your client needs in retirement and demonstrate the options available to meet their needs.
Royal London - Our new At Retirement tool will help you establish what income your client needs in retirement and demonstrate the options available to meet their needs
Our new At Retirement tool will help you establish what income your client needs in retirement and demonstrate the options available to meet their needs.
Royal London: Everything but the pension
George Osborne was really rather smart last April. At the same time as telling people they could spend their pensions as they liked he gave some very powerful reasons why they shouldnt. In fact for some people their pension should probably be the very LAST thing they spend.
Hodge Lifetime welfare benefit guide 2015-2016
When assessing your customers requirements for borrowing in retirement, it is important to check whether any benefits will be affected by your recommendation.
FundsNetwork: Were ready for the pension revolution
Following the Chancellors momentous announcements on retirement last year, the new era of choice and freedom in retirement is almost upon us. As I mentioned in the November issue of Fwd: magazine, the changes represent an enormous opportunity for advisers and at FundsNetwork, weve been working hard to make sure you can take full advantage from day one.
Advisory firms set for pension freedoms, Fundsnetwork research reveals
Overwhelming majority of advisory firms ready for reforms Advisory firms confident about their understanding of the new retirement rules However, client understanding remains
Fidelity: A model solution for retirement
New pension rules are likely to mean more retirees use investment funds to generate income. Michael Clark explains how pairing a sustainable high income with real capital growth potential makes the Fidelity Enhanced Income Fund a practical addition to model portfolios.
ADVISORY FIRMS SPLIT ON BUSINESS STRATEGY FOLLOWING PENSION REFORMS, REVEALS FUNDSNETWORK SURVEY
43% of advisory firms likely to increase their focus on retirement planning over the next 12 months but 44% have no plans to change Nearly half of firms think at-retirement advice fees will increase post-April 2015 but 41% think they will remain static Majority of advisers believe there is a need for new products post-April 2015
Scottish Widows: Getting your potential clients planning
This years pension reforms mean that the landscape for you and your clients is changing like never before. Scottish Widows new Change your life in an hour campaign aims to get people thinking about their plans for retirement and highlights the benefits of good financial advice. We want people to be prepared and informed for their discussions with you.
Hodge Lifetime, the latest provider to join Panacea Adviser community
Panacea Adviser is delighted to announce Hodge Lifetime has joined its growing list of partners.
Schroders: Picture the perfect retirement
I am sure you have had many conversations with your clients about the imminent changes to pension rules and their impact on retirement financial planning.
Hodge Lifetime five year fixed rate reduced by 0.36%
Hodge Lifetime has reduced the interest rate on its retirement mortgage with a five year fixed rate now 4.39%.The overall cost for comparison is 4.7% APR*.
Its a funny old game
I read that despite some 40 years of being told that butter is not good for you the processes that led to this conclusion were flawed, lacking in any solid trial evidence to back it up.
A new default for a new era is it too soon to say?
If you asked 100 people, in a Family Fortunes style poll, if theyd like a free doughnut, what do you think most of them would say?
IoD Retirement Symposium Thursday 12th March 9am-1pm
There is considerable industry speculation about the new pension rules due in April: but what do your clients and pension investors think?
Finalytiq: Pound Cost Ravaging: Volatility Drag, Sequencing Risk and Safe Withdrawal Strategy In Retirement Portfolios
I'm beyond thrilled to send you a copy of our new white paper Pound Cost Ravaging: Understanding Volatility Drag, Sequencing Risk and Safe Withdrawal Strategy In Retirement Portfolios.
FundsNetwork: Tomorrows opportunity. Todays pension solution
There are, of course, many things to consider when choosing a pension. Firstly, it needs to offer your clients choice, flexibility and value for money. Secondly, and importantly, it needs to fit in with your business. Finally, it needs .
Finalytiq: Pound Cost Ravaging: Volatility Drag, Sequencing Risk and Safe Withdrawal Strategy In Retirement Portfolios
I'm beyond thrilled to send you a copy of our new white paper Pound Cost Ravaging: Understanding Volatility Drag, Sequencing Risk and Safe Withdrawal Strategy In Retirement Portfolios.
Picture the perfect retirement for the chance to win a dream holiday with Schroders
The new Schroder Global Multi-Asset Income Fund is designed to meet the needs of the newly empowered generation approaching retirement.
Canada Life talk Retirement Income in Scotland
The changes to the retirement income landscape announced in the last Budget signalled the biggest shake up this market has seen for decades - but what does it all mean? And what options are available to your clients now that they can have full access to their pension pot at retirement?
Scottish Widows: Read Januarys edition of Techtalk
Theres a record increase in the number of women saving adequately for retirement in the last year, but theres more advisers can do to add some real value to the financial future of female clients.
LV=Safely under one roof!
The FCA legacy review has again highlighted that many clients have pension funds in old schemes with high charges.
Royal London: Helping you and your clients with the new era of retirement planning
April 2015 flexibility - how our pension products will change.
Special offer to Panacea Adviser members to attend the inaugural Retirement Review conference
Retirement Review and Panacea Adviser are offering ten places free to Panacea members and readers to attend the first Retirement Review conference.
LV= Retirement Hopscotch Post Budget edition!
Were excited to announce the launch of an updated version of the popular LV= Retirement Hopscotch tool.
LV= Are you ready for the retirement opportunities coming in April 2015?
The new pension landscape gives retirees greater choice as to how they take their pension income and we want to support advisers and enable them to navigate the changes effectively.
Royal London: How will the new guidance service work?
A new guidance service is being introduced by the Government to help individuals understand their choices at retirement from April 2015.
Aegon raises concerns about how annuity re-selling would be carried out and is particularly concerned about vulnerable annuitants.
Following the proposal from Pensions Minister Steve Webb, Aegon has outlined concerns about how some vulnerable annuitants may be targeted to encourage them to cash in their annuities.
Aviva: Freedom and Choice... will liberty mean poverty?
As consumers take even more responsibility for funding their own retirement, they face new challenges. Could liberty lead to poverty?
Aegons response to the proposed annuity re-selling proposals from Steve Webb
The industry is already under significant pressure to deliver the various legislative changes this year.
FundsNetwork: Making sense of the new retirement landscape
Its been a busy six months in the retirement industry as the rules regulating pension income are being ripped up.
Royal London: Welcome to the new era of retirement planning
Retirement is changing. Not only are the government changing the rules, making the advice process more complicated but peoples retirement experience is changing too.
LV= Personal Pension and Drawdown No signature required
Were always looking to make your life easier and speed up our processes, so weve now launched signatureless applications run a quote and submit the application from your desktop with no client signature required!
Welcome to Retirement Review
Retirement Review is a new organisation aimed at examining the current issues surrounding retirement including what the Freedom and Choice in Pensions reforms mean for the UK.
LV= can help you build new solutions for your clients
George Osborne's Pension changes continue to generate media coverage and raise client awareness and expectation about what's available from April 2015.
Royal London: Welcome to the new era of retirement planning
As you know retirement is changing. Ned Cazalet has written an in-depth paper, When Im 64, detailing the changes and the impact of these changes on your clients.
Scottish Widows: New Roundtable: Achieving the Best Customer Outcomes
This month on our online hub were focusing on the new Budget freedoms and the role of advisers, providers and the Government in getting the best outcomes for clients.
Launching the Scottish Widows Women and Retirement Report
Launching the Scottish Widows Women and Retirement Report.
Buy to let vs Drawdown
Clients may be considering releasing all their pension funds to invest in buy to let property to provide a retirement income. We look at some of the potential pitfalls.