Insights,Issues and Opinions

20 December 2016

Auto Enrolment faces the next challenge - reaching nearly 5 million self-employed

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24 November 2016

FCA paper lays out tough communications challenges for LISA providers

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7 November 2016

LISA offers potential to get more under 40 years’ olds saving but it also increases emphasis on getting communications right

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24 October 2016

More complex retirement savings journeys increase need for customer engagement supported by advisers working hand in glove with robo-advisers

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22 September 2016

Does the Pensions Advice Allowance enable more advisers to offer advice to a larger number of people?

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12 September 2016

Sizing up the secondary annuity market opportunity

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11 August 2016

What surprises will the 2017 Auto-Enrolment Review Bring?

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11 July 2016

Brexit could accelerate innovation in pensions market but we need to get open data standards agreed first explains Adrian Boulding, Retirement Strategy Director at Dunstan Thomas.

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1 July 2016

Away from the Brexit debate let's focus back on pensions - BHS collapse hands Sir Philip Green an opportunity to turn the tide on dismal workplace pension prospects which may otherwise become the norm

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16 June 2016

Master Trust Consolidation will follow tightening of rules once the new Pensions Bill passes into law next year argues Adrian Boulding, Retirement Strategy Director, Dunstan Thomas

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17 May 2016

Key to Auto-Enrolment success is customer engagement as without it the epidemic of pensions under-funding will continue argues Adrian Boulding, Retirement Strategy Director, Dunstan Thomas

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16 May 2016

Customer engagement is closed-book providers biggest challenge.

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29 April 2016

Secondary annuity market will stumble if IFAs cannot be persuaded to offer consumers advice around these risky decisions.

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21 April 2016

Do Lifetime ISAs risk derailing Automatic Enrolment or can they remain targeted to help first time buyers build increasingly hefty deposits?

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29 March 2016

FAMR opens door to resurgence of bank-based advice but are providers ready for greater fluidity of assets that will surely follow?

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14 March 2016

Neat Tax Avoidance-linked surgery rather than pensions tax reform bloodbath is promised in Wednesday’s Budget

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10 March 2016

RDR, Pensions Freedom and Online ‘triple-barrelled’ revolution, puts pressure on providers to improve ageing IT systems running legacy books

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5 March 2016

How does Fintech, retail financial services, the world of platforms, ISAs and pensions fit in the era of the “Four Great Convergences”?

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28 February 2016

FCA DP16/1 fires starting pistol on Big Think on how to re-engineer financial services market to better meet the needs of a rapidly ageing population

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18 February 2016

Are low interest rates the problem, not the solution?

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8 February 2016

The age's of usage for the forthcomming Pensions Dashboard.

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28 January 2016

Now is the time to set aside Pensions Dashboard fears & embrace data availability as new consumer right

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22 January 2016

Could FAMR herald the return of commission-based selling leading to dual stream Retirement Disclosure regime?

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19 December 2015

Public Accounts Committee inquiry into Auto-Enrolment will kick off in less than two weeks

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2 December 2015

FCA Income Drawdown charges scrutiny looks set to increase disclosure requirements

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18 November 2015

Public Accounts Committee inquiry into Auto-Enrolment will kick off in less than two weeks

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4 November 2015

EET migration to ISA-style TEE pensions looks attractive on the face of it but the devil is in the back office detail

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18 October 2015

Adrian's Corner - Don't mention the pot size

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17 October 2015

For Gen Y pensions are far less of a hot topic than they should be

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28 September 2015

Digital communications to unlock admininstration efficiencies and stimulate member engagement - AE initial success will stand or fall on the effectiveness of digital communications to stimulate member engagement and unlock admin efficiencies

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7 September 2015

We need to find a way to provide decent financial advice to more than the sub-3% that feel able to afford it today - if Pensions Freedom is not to become Pensions Disaster

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14 August 2015

Will the Financial Advice Market Review succeed where previous attempts to close up the widening advice gap have failed?

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30 July 2015

Will Treasury pensions tax reform put the brakes on Auto Enrolment success?

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30 June 2015

Improving Retirement Market Disclosure - Smarter Retirement Communications?

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11 June 2015

Will the Pensions Freedom Genie Need be squeezed back in the bottle after all?

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27 May 2015

As older workers champion Altmann steps up to head the DWP, we check industry’s reaction to her appointment.

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7 May 2015

The middle ground between full financial advice and unregulated execution-only services still looks muddy even after the latest FCA finalised guidance

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23 April 2015

Wake Up Packs are finished so what’s the next at-retirement communications silver bullet?

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20 April 2015

Apps will be the past, they are the present, and will dominate the future.

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15 April 2015

Choosing the right ingredients and blending them at the right time to bake a retirement income cooked to perfection is a tricky dish to get right.  

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15 April 2015

UFPLS is proving to be popular, but could it unintentionally damage the housing ladder?

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10 April 2015

Freedom Day has come and gone but early reports suggests we are not seeing a rush to cash out just yet although the potential for bad choices and poor outcomes is high

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26 March 2015

Budget 2015 offers a potential boost for the pensions and investment market, contrary to what instant headlines suggest

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20 March 2015

Freedom Day Countdown

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9 March 2015

FCA Consumer Spotlight: regulator’s miss-selling early warning device or new customer segmentation tool for all?

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27 January 2015

Social Media: panacea for true interactive engagement or new set of ungovernable customer communication channels?

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17 January 2015

Will Pension Freedoms just stimulate mass confusion?

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16 December 2014

The Dunstan Thomas Group Winter 2014-2015 Newsletter

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19 November 2014

Freedom Day will boost UFPLS requests as well as income drawdown sales but is the market going to be ready for them?

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27 October 2014

Blended retirement illustrations are coming by next April, but will the increased complexity make these documents impossible to understand?

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29 September 2014

Abolition of Pensions Death Tax looks calculated to shore up older Tory supporter defections to UKIP but is also a boon for the retirement savings market.

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8 August 2014

Guaranteed Guidance to hit advisers firms in coffers.

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18 July 2014

Simplified Advice looks like a non-starter as FCA fails to define it adequately.

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24 June 2014

FCA Finalised Guidance sets down rules of engagement for annuity comparison sites.

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30 May 2014

UK fund charges comparison remains impossible nearly 1.5 years after RDR.

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19 May 2014

At-Retirement Choices must be supported by definition of Simplified Advice.

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28 April 2014

Workplace AE pensions charges will be capped.

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15 April 2014

Inflation-Adjustment is now mandatory for pensions KFIs.

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22 March 2014

It’s official...
no more compulsory annuities, says the Chancellor.

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8 March 2014

Platforms still need to improve ‘re-reg’ and avoid over-charging inactive, non-advised clients, finds FCA Thematic Review of platform providers.

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3 March 2014

FCA Thematic Review of the Annuity space reveals need for some market reforms but how much longer will we have to wait to put this right?

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10 February 2014

D2C saw 23% growth last year. Will further growth come from new Guided Advice Rules?

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8 December 2013

Income Drawdown maximum calculations remain stuck in neutral and poised for reverse as EU Solvency II pressures look set to push annuity rates lower.

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11 October 2013

Anticipated 10-fold increase in S166s could well be fuelled by failings in Replacement Business processes.

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23 September 2013

OFT workplace pensions study focuses on lack of level playing field for DC scheme charges comparisons.

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7 June 2013

The FCA’s Policy Statement on Capital Adequacy Requirement could still prove to be a bombshell for the SIPP market if capital surcharge estimates are correct.

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24 May 2013

D2C Platform asset growth prospects look rosy but how do you manage the compliance risks?

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17 May 2013

Policy Statement - PS 13/2 further thoughts.

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27 April 2013

Illustrations and infographics

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23 April 2013

Annuity market needs to modernise while it grows.

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19 April 2013

Bank interest rate disclosure - confusion from CP 12/29

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25 March 2013

Policy Statement - PS 13/2 some initial thoughts

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22 March 2013

Customer service deserves higher billing even if regulatory change is coming thick and fast.

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19 March 2013

Clarification on how USP transfers will be treated.

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16 March 2013

Workplace savings demands long game thinking from providers.

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14 March 2013

RDR looks set to cost the earth.

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November 2012

Changes in the Disclosure landscape detailed within CP 12/10.

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June 2012

Is the FSA demanding too much of Statutory Pensions Illustrations?

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April 2012

CIP migration could be another RDR-linked banana skin for IFAs, warns FSA Guidance.

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April 2012

The recent FSA Guidance consultation “Assessing suitability: Replacement business and centralised investment propositions” states examples of good practice are:

“Several firms used reduction in yield (RIY) figures in cost comparisons which also considers the initial cost associated with the recommendation. We also saw firms using comparative projections to demonstrate, on a pound for pound basis, the impact of cost differences on the value of the pension at retirement.”

This is precisely what Legacy Asset Systems (powered by Imago) does.

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January 2012

BAS TM1 Version 2 signposts need for widespread changes to SMPIs.

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December 2011

Comments on RDR & Disclosure in CP11/03 and PS11/14

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December 2011

Comments on RDR & Platforms in CP10/29 and PS11/9

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