Fixed Term Annuity Market Improving On Contractual Terms

by | Feb 28, 2020 | Archive

I was delighted to read that Just Retirement have amended their contractual terms to allow clients to exit their contract if they have a deterioration in their health which would lead them to qualify for an impaired life annuity and even divorce spousal death or...

Pension Charges & Proposed Caps

by | Feb 28, 2020 | Archive

The aim of reducing pension charges is shared by almost everyone. The proposed cap by Ed Miliband would affect relatively few Group Personal Pension Schemes of medium and large employers where most full time employees participate. If clients want greater fund choice...

Mortgage Broking For The Self-Employed

by | Feb 28, 2020 | Archive

If you are thinking about becoming self-employed or starting a company which offers services to another company it will become much harder to find a new mortgage at the best rates until you have three years accounts or tax returns to verify your income history. If you...

IT Problems At The FSA & Mortgage Brokers

by | Feb 28, 2020 | Archive

I was very disappointed to read that mortgage brokers who were not IFAs will not have to register under a new scheme similar to IFAs in the near future because of an IT issue at the FSA. I approve of regular mortgage brokers being given the same oversight as...

Recent FSA Actions

by | Feb 28, 2020 | Archive

I was pleased to read the actions taken by the FSA in the following article. http://www.moneymarketing.co.uk/regulation/fsa-censures-ifa-firm-and-bans-director/1056129.article The FSA has had a history of inadequate action against individuals. I have made a Freedom of...