Monthly Archives: November 2016

//November

THANKS AGAIN BTS – LOOK FORWARD TO THE NEXT ONE!

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 [...]

By | November 28th, 2016|BTS News|0 Comments

DEFINED BENEFIT TO DEFINED CONTRIBUTION – WHY NOT?

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 [...]

By | November 28th, 2016|Talking Points|0 Comments

BUDGETING FOR RETIREMENT – WHOSE JOB IS IT?

According to recent findings from research provider Platforum, advisers are not using long-term cashflow planning with enough of their clients, both ‘at retirement’ and ‘on a regular basis’ once clients have retired. Long-term cashflow planning should be at the heart of retirement and in-retirement advice. It also makes a lot of sense in the accumulation [...]

By | November 13th, 2016|Talking Points|0 Comments