Shows / FT Adviser
FT Adviser
FT Adviser is the Financial Times’ specialist title dedicated to the UK financial advice profession. Each week one of our reporters will be joined by a panel of experts to discuss issues such how the latest regulatory developments will impact advice firms, how advised clients will be affected by the latest developments in pensions, investing, mortgages and tax, and how the financial advice profession will develop and grow.The FT Adviser Podcast is designed to inform regulated UK advisers on a…
Episodes
FT AdviserIn Focus: How to help clients when their plans change
The past couple of years have been difficult for many people in the UK and elsewhere. As a result, people have changed their plans and found their financial…
FT AdviserHas a decade of robo-advice changed investing?
It has been a decade since Nutmeg launched as the first major British robo-adviser and since then, many start-ups have entered this space with the intention of…
FT AdviserTalking Point: Income for medium risk clients
The collapse in bond yields and the dominance of stocks which pay little in the way of dividends has forced many medium risk investors to confront the dilemma…
FT AdviserDo pension statements fix a problem which exists?
Pensions minister Guy Opperman has said his next plans for reform involve legislating for simpler pension statements, including a "statement season" when…
FT AdviserHelping your clients though the cost of conception
The cost of raising a child is something many advisers discuss with clients, either on marriage or when the first child is born. Everything from funding school…
FT AdviserWhy the risks of investing in bonds are even more 'one-sided' than normal
The return of inflation, low yields and the spread of the new Omicron variant of coronavirus have raised some awkward questions for bonds and their role in…
FT AdviserThe future of responsible investment regulation
The FCA has pledged to introduce ESG rules for financial advisers, implementing a regime which would require intermediaries to take into account sustainability…
FT AdviserDoes the CII's consultation face up to the future of financial planning?
The Chartered Insurance Institute is currently running a consultation which, it says, will help it and its members adapt to the changing world of new…
FT AdviserThe wealth management industry cannot solve climate change on its own
The wealth management industry cannot solve climate change on its own, and there were significant elements missing from the Cop26 agreement, said Eoin Murray…
FT Adviser'Many bubbles will burst'the outlook for the economic recovery
The highly unusual nature of the economic recession and recovery means there are likely to be a number of “bubbles burst” in the coming years, according to…
FT AdviserCrypto currency ETFs: The next trend?
In October, the US Securities and Exchange Commission gave the green light to the ProShares Bitcoin Strategy ETF. This is the first US bitcoin futures-based…
FT AdviserInvesting in a time of stagflation
Rising inflation has prompted concerns that the UK economy is seeing the return of stagflation.Last seen in the 1970s, stagflation is characterised by stagnant…
FT AdviserAutumn Budget 2021: The 'tax avoidance' Budget?
This week chancellor of the Exchequer Rishi Sunak hailed his second Budget of 2021 as heralding a "new age of optimism" as the UK seeks to leave the Covid-19…
FT AdviserPay gap reporting can be positive for financial services
October 2021 marked the start of regulatory scrutiny over pay gap data reporting. Many companies have already reported, while others are still to unveil their…
FT AdviserWhat does the future hold for stamp duty?
With the stamp duty holiday at an end and the Budget taking place next week, what does the future hold for stamp duty?Regularly referred to as the UK's "worst…
FT AdviserWhat role do providers have in plugging the advice gap?
As long as there have been financial advisers, there has been debate about how to plug the advice gap.But research has found that some 39m people have never…
FT AdviserHow to help mortgage clients get back on their feet post-divorce
Breaking up is always difficult. Quite apart from the emotional aspects, the financial aspects are particularly difficult for both parties, with division of…
FT AdviserHow will rising inflation affect financial planners?
For the past four months, the rate of inflation has beaten the Bank of England’s 2 per cent target. Despite saying that this rise will be “transitory”, the…
FT AdviserWhat's going on in China?
Markets have been going through a turbulent period in recent weeks and, in part, this has been down to events taking place in China.Chinese equities have lost…
FT AdviserWhy do we need female financial advisers?
We've all heard the phrase 'people buy people'. But does this really apply to advising different genders? After all, a great financial adviser can deliver…
FT AdviserWill CDC pension schemes take off?
Next year will see the launch of collective defined contribution pensions - at least one will come into existence when Royal Mail 160,000 employees move into…
FT AdviserWhat do the govt's social care reform plans mean for the advice industry?
After plenty of waiting, the government has finally unveiled a plan which, it says, will solve the UK's social care crisis.On this week's podcast, senior…
FT AdviserHow to approach later-life planning
We know there is a gender pay gap - and therefore there is a gender pension gap that needs to be filled. But often we forget that this lack of funding for…
FT AdviserWhy Silicon Valley is the real threat, not ‘digital’ brokers
Consolidation in the digital mortgage space has spiked in recent months as larger companies buy up the technology to service their own customer bases. Having…
FT AdviserHow central banks will dictate the UK's recovery
The re-opening of pubs and shops, as well as the return of international travel, might make some think the Covid-19 pandemic is moving into history.But the…
FT AdviserWhat role do academies have in the future of advice?
The gap between those who need advice and those who can access it - the so-called 'advice gap' - is one of the long-standing conundrums the financial advice…
FT AdviserHow protection fits into family wealth planning
Speaking on this latest FTAdviser In Focus podcast on the topic of how protection fits into family financial planning, panellists discuss why it is not just…
FT AdviserThe pros and cons of social media for advisers
Last month the Financial Conduct Authority warned that social media platforms were playing an increasing role in putting consumers at risk of harm through…
FT AdviserPreparing portfolios for higher inflation
As the world tentatively emerges from the pandemic, the thoughts of many market participants are starting to turn to the next phase of the economic cycle, and…
FT AdviserLifestrategy at 10: has it changed advice?
This year marks a decade since Vanguard's Lifestrategy range launched in the UK and to say the passive funds had proven popular would be to downplay the…
FT AdviserHow to talk pensions across the generations
Much has been made of the need to start saving as early as possible and to keep this habit going as long as possible. But when it comes to pension provision…
FT AdviserWill the FCA's proposals fix the Financial Services Compensation Scheme levy?
Last month the Financial Conduct Authority published its business plan for 2021-22, setting out how it plans to adapt itself to the "profound forces…
FT AdviserLenders stand firm despite govt's 'change of heart' on cladding
Last week the government announced a U-turn in its cladding guidance. It said leaseholders living in buildings under 18 metres tall would no longer need…
FT AdviserHow to use pensions for intergenerational planning
Over the next few decades it is estimated that trillions of pounds will pass from one generation to the next: primarily from baby-boomers, who have ridden the…
FT AdviserHow M&G Wealth is using hybrid advice to grow
Many in the advice profession have debated the benefits of face-to-face versus digital advice for several years. But over the past 18 months, many advisers…
FT AdviserWhy pension allowances put advisers on the backfoot
According to data published by the government, in 2018-19 there were more than 34,000 taxpayers who reported their pension contributions exceeded their annual…
FT AdviserThe silver bullets of intergenerational planning
The Great Wealth Transfer is about to begin in earnest, where a predicted £5.5trn is set to pass from older to younger generations over the next couple of…
FT AdviserCapital gains tax reform & tax year changes: FTAdviser talks to the Office of Tax Simplification
Over the course of the past 18 months, the government has spent a lot of money to get the UK through the Covid-19 pandemic. But Rishi Sunak, the chancellor of…
FT AdviserWhere next for ESG?
The year 2020 was a landmark one in lots of ways, including for ESG investing - if for no other reason than it finally put to bed the idea that you need to…
FT AdviserWill private equity change platforms?
Private equity interest in adviser platforms has continued to grow over the past year or so.Recently Novia, James Hay and Parmenion have all been bought by…
FT AdviserTalking Point: Finding value in sustainable portfolios
The steep rise in popularity of sustainable investment solutions has led to a similar rise in valuations in many of the qualifying asset classes.On top of this…
FT AdviserPensions: desperately seeking solutions
The self-employed - and particularly younger gig economy workers - desperately need some solid pension solutions to help them make long-term provision for…
FT AdviserJoining the advice profession during a pandemic
Finding new clients at any time in a financial adviser’s working life can be a challenge, but imagine having to do that at the beginning of your career, at the…
FT AdviserKeith Richards on his time at the PFS and what comes next
This week the FTAdviser Podcast speaks to Keith Richards, the chief executive of the Personal Finance Society, who will be standing down at the end of this…
FT AdviserWhy advisers are looking to ITs for income
This FTAdviser In Focus podcast aims to do two things: to look at the reason why investment trusts have proved to be good income plays for pension investors…
FT AdviserDo pension reform proposals go far enough to help savers?
The government is looking to make it mandatory for providers to issue simpler statements for certain defined contribution pension schemes used as part of…
FT AdviserYour property is not your pension. Or is it?
Property investment - be it buy-to-let or commercial property funds - has had a rough time over the past few years. Questions over the liquidity not just of…
FT AdviserHow the FCA's new duty of care might affect advisers
The Financial Conduct Authority has published proposals for what it calls a "new consumer duty" which it says will set clearer and higher expectations for…
FT AdviserRectifying Redress for Transfer Victims
Victims of defined benefit transfer misadvice are facing a double whammy when it comes to compensation calculations.According to campaigners supporting those…
FT AdviserWill the FCA's plans to fix open-ended property funds work?
Mark Carney, the former governor of the Bank of England, famously said open-ended funds which invest in illiquid assets are "built on a lie". This has been…
FT AdviserHow Biden's presidency is affecting global markets
Joe Biden has now marked more than 100 days of his term as President of the United States. While he has been a lot quieter on Twitter than his predecessor…
FT AdviserHow advisers can make the most of data
One of the clichés of the 21st century is to say data is the new oil but, like a lot of clichés, there's a kernel of truth in there struggling to come out…
FT AdviserWhat's the future for income investing?
Exceptionally low interest rates, a high level of economic uncertainty and elevated valuations across multiple asset classes have combined with the Covid-19…
FT AdviserWhat next for the pension advice allowance?
The government has said it will be reviewing the pension advice allowance - which was introduced following the Financial Advice Market Review to help close the…
FT AdviserMaking sense of IR35
Millions of Britons are being affected by "ill-thought-out rules, which have come into force for the private sector.Whether these are freelancers, concerned…
FT AdviserShould the FCA scrap the 10% drop rule?
Earlier this year the Financial Conduct Authority announced plans to review the controversial 10 per cent drop rule, which was introduced by Mifid II in 2018…
FT AdviserFAMR five years on - can the advice gap be closed?
Last month marked five years since the final report of the Financial Advice Market Review was published.The review was commissioned by HM Treasury to find…
FT AdviserWhy UK tax policy on pensions is not working
Pensions taxation in the UK has been tinkered around with for years. Over the decades, different laws have shaped pensions legislation, making what should be a…
FT AdviserCan the protection gap for Generation Rent be closed?
Since 2007, the number of private-rented households has grown by 60% as house prices have soared but incomes stagnated following the financial crisis.This…
FT AdviserTax day: The difficult second album
Last week HM Treasury published a raft of consultations into tax policy, in a follow-up to the Budget which was branded 'tax day'.But like many sequels, it…