Greg

Several of the issues raised in the FCA’s Thematic Review of Retirement Income Advice are inherently behavioural and therefore can be tackled only with behavioural solutions.

Some thoughts on how to make the most of AI opportunities within wealth management… and how to avoid some tempting, but potentially costly mistakes.

We have estimated the cost over time of poor, emotionally driven investor decisions to be about 3% per year for the average investor. This comprises both failing to invest at all, and, when that hurdle has been overcome, investing badly.

Revisiting the problem of advisor inconsistency of investment advice in light of the FCA’s Thematic Review into Retirement Income.

Revisiting the use of complex stochastic cashflow modelling in light of the FCA’s Thematic Review into Retirement Income.

Since the publication of the FCA’s Thematic Review into Retirement Income, one topic has dominated our conversations with clients: do we need a dedicated Risk Tolerance assessment that focuses on decumulation?

Before asking ‘How do I meet the regulations?’, ask ‘Why do they even exist?’ Were you to track regulatory changes over time, you would see a clear direction of travel.

Advisers and wealth managers have a great opportunity to build deeper human relationships with clients in ways many haven’t yet embraced.

Not all increases in efficiency are created equal. The best are purposefully built around enhancing the investor experience, enriching adviser-client relationships, and automatically evidencing the process by which these are done.

There are many potential benefits to converting some investible assets into a guaranteed income for life, but how do you assess suitability for the combination of a guaranteed income and an investment portfolio?