Company news, industry updates and key insights about our ongoing improvement and innovation. All the information you need to stay one step ahead of pensions changes.
Intergenerational planning has become an increasingly important topic within financial services, yet within the pensions space it is often underutilised. While pensions are widely recognised for their role in retirement planning, their potential as intergenerational tools is sometimes overlooked. We believe this represents a significant opportunity for advisers, not only to enhance client outcomes, but...
In today’s pensions landscape, the distinction between advice and engagement has become increasingly important. Advisers operate within a clearly defined regulatory framework, where the boundaries of advice are well established. Yet client expectations continue to evolve, and there is growing demand for a more engaging, accessible, and transparent experience. We view this as one of...
Recent industry research suggests that only around 2% of financial advisers feel fully confident that their retirement income strategy requires no change, following the Financial Conduct Authority’s thematic review of retirement income advice. This finding reflects a broader sense that retirement planning frameworks are under review across the profession. The FCA’s review highlighted the complexity...
Across the UK advice market, regulatory change and rising client expectations are placing increasing pressure on adviser capacity. Consumer Duty, enhanced reporting requirements and higher evidential standards are reshaping how advisers allocate time, resources and operational effort. Research suggests that over three-quarters of advice firms have experienced rising costs as they adapt to Consumer Duty,...
Recent analysis suggests the number of UK pensioners paying income tax could approach 10 million by 2030, reflecting structural changes in taxation, pension income and demographics. This trend is a combination of frozen tax thresholds, rising state pension withdrawals, and higher private pension incomes, illustrating how retirement finances are evolving rather than signalling financial hardship....
Environmental, Social and Governance (ESG) investing has been one of the most discussed themes in financial services over the past decade, and its evolution matters for advisers focused on long-term retirement outcomes. What began as a niche approach has grown rapidly into a significant component of the global investment landscape. According to reports, ESG-focused institutional...
The UK’s Self-Invested Personal Pension (SIPP) sector is facing a significant shift. Proposed changes to inheritance tax (IHT) rules could see unused pension funds included in estates from April 2027—potentially subjecting them to IHT for the first time. While these changes are not yet law, the implications are serious enough that advisers and pension scheme...
For the pensions sector, Talk Money Week is an invaluable moment to listen, learn, and lead. The campaign’s annual themes, the data it generates, and the behavioural insights it brings all help shape how providers engage members and support financial confidence for the long term. Every year, Talk Money Week adopts a central theme such...
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