Since the introduction of pension freedoms on 6th April 2015, Defined Benefit (DB) pension transfers advice is topical. One ‘fly in the ointment’ is that members in defined benefit schemes can’t access much of what is good in relation to such reforms. So, if you are a single man or woman with no dependants you […]
As I write this, Lord Sugar is about to select another apprentice as his business partner in that most festive of modern Christmas traditions, The Apprentice final. T’is the season to… conclude all of those reality TV shows by crowning a winner whilst supermarkets entertain us in the ad breaks with their latest 7 minute […]
BTS have just ran a series of R05 workshops for one of our wealth management clients. This involved two 2 day workshops for four separate groups, Edinburgh, London, Solihull and Manchester. The attendees were mainly second careerists with little or no financial services experience. R05 is always talked about as an easier exam in the R0 […]
Final Salary pensions schemes, also known as Defined Benefit (DB) schemes, have long been held out as the gold standard of retirement provision. It’s true that, if the pensioner lives a long time, they will provide a high total return. If, however, the pensioner lives a short time then only a small part of the […]
