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Technical articles | 01 Jan 2012
This is the second in a series of two Technical Articles considering different aspects surrounding the decisions that need to be made with clients in the light of the reduction in the lifetime allowance, and the relative merits of electing for fixed protection. You can find the previous art...
Technical articles | 01 Nov 2011
The headline in the personal finance section of my mid-week tabloid read "Horror as drawdown pension plans plunge". That followed a leader article in the Sunday tabloid which read "The £100,000 pension pot annuity shock". The two stories illustrate once again the problems facing retirees - ...
Research | 01 Mar 2011
The landscape for retirement is changing. The UK Government is in the process of implementing a number of reforms to pensions to try to incentivise long term savings - including abolishing the requirement to annuitise by age 75. Changes are also afoot at the EU level and, on 1 March the Eur...
Technical articles | 01 May 2009
If only all of our clients knew what they wanted and did not change their minds, life would be so much simpler. If they could tell us when they were going to die and what they would do day by day until that day we could design retirement income strategies that really delivered.
Technical articles | 01 Apr 2009
The September 2009 Retail Prices Index (RPI) is widely expected to be negative, which raises some interesting issues for pensions.
Technical articles | 01 Sep 2008
Every year, thousands of UK consumers approach retirement looking forward to funding their golden years with the money they have invested in their personal pension fund over the course of their working lives.  For many, their pension fund allows them to enjoy their retirement by supply...
Technical articles | 01 Dec 2005
The benefits of ASP are starting to look pretty marginal - especially if the aim is saving IHT. If a member nominates someone other than his or her spouse to receive the lump sum death benefit under ASP, there will almost certainly be an IHT charge when the member dies. This will probably b...
Lectures | 02 Mar 2005
Trends in longevity. Lecture delivered by Richard Willets (Willets Consulting Limited) on 02 March 2005.
Lectures | 02 Feb 2005
The changing face of retirement planning. Lecture delivered by Ian Naismith (Head of Pensions Market Development, Scottish Widows) on 02 February 2005.

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