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REMEMBERING WHY ‘WHY?’ DOES NOT ALWAYS PRODUCE THE RESULTS WE WANT

During a recent busy day in London I had the chance to leave the office, get some fresh air (well, as fresh and nitrogen dioxide-free as it can be around Threadneedle Street) and pick up some lunch. So, resolution-affirming healthy salad and calorie-laden desert in hand, I found myself queuing in a well-known food chain, [...]

By | February 3rd, 2017|Talking Points|0 Comments

WHAT WILL HALT THE RISE OF THE MACHINES?

If you look through the average internet search history, it may not be apparent amongst the YouTube, Social Media and News searches that we actually have access to almost all human knowledge. Virtually everything that mankind knows is searchable and clickable and that includes investment theory and financial planning. Coupled with this, we are regularly [...]

By | January 20th, 2017|BTS News|0 Comments

DEFINED BENEFIT TO DEFINED CONTRIBUTION – SOME EXTRA CONSIDERATIONS

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 [...]

By | December 29th, 2016|Talking Points|0 Comments

THE APPRENTICE – YOU’RE HIRED!

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 [...]

By | December 15th, 2016|Talking Points|0 Comments

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