Here we share our latest thinking with articles, updates and blogs that examine the trends, risks and opportunities facing the advice industry.
Your clients22 August, 2019
Advising on DB transfers: the latest FCA proposals
The FCA has proposed a number of latest changes to how DB pension transfers are advised, as Alastair Black, Standard Life’s Head of Wrap Platform Proposition, explains.
Focus on tax5 August, 2019
Annual allowance tax – the ‘scheme pays’ clock is ticking
Using 'scheme pays' can help ease the pain of an annual allowance tax charge - and reduce the risk of paying both AA and LTA tax on the same pension savings. But clients faced with an AA tax charge for the 2018/19 tax year may need to act quickly.
Focus on tax30 July, 2019
What the OTS review of IHT could mean for estate planning
The Office of Tax Simplification (OTS) has made a series of recommendations aimed at removing some of complexities in the current IHT rules.
Your business23 July, 2019
Supporting your client-led investment solutions in the era of PROD
Developing client-led investment solutions for better outcomes lies at the heart of any adviser firm. We explore the different approaches to delivering these solutions in light of the PROD regulation.
Your business17 July, 2019
Tips to help your firm’s PROD reporting
This series of blogs on PROD aim to help you understand your firm's obligations under PROD and help you get started with meeting the PROD regulations.
Your business16 July, 2019
Market review: Brexit, trade wars and global tensions
Andrew Milligan, Head of Global Strategy at Aberdeen Standard Investments, considers what current events mean for investors and what the implications are for the global economy.
Your business15 July, 2019
Platforms really have come a long way since they started out
Steve Owen, Head of Elevate Platform Proposition at Standard Life, looks at how platforms have evolved over the years and how your firm can really benefit from the features and efficiencies modern platforms offer.
Your business8 July, 2019
Appointment of Standard Life Savings Chief Executive
Noel Butwell, Chief Executive of Standard Life Savings shares his views on the role, his ambition for Standard Life and what it means for the clients and customers who work with us.
Your TechZone8 July, 2019
What do the changes to top slicing relief on bonds mean for advice?
For many years advisers have been able to make a quick assessment of the likely tax payable on a bond surrender. The so called 'shorthand' method provided an easy way of estimating the potential tax on a bond after 'top slicing relief'.
Your clients20 June, 2019
Whether it’s a summer holiday or a client's investment proposition you’re choosing, it’s all about the options
Steve Owen, Head of Elevate Platform Proposition at Standard Life, considers how a client investment proposition can best be shaped and compares the advantages and disadvantages of the investment options available.
Focus on investments5 June, 2019
Market review: mid-year reflections and projections
Almost halfway through the year, Andrew Milligan, Head of Global Strategy at Aberdeen Standard Investments, considers the continuing US-China trade war, how emerging markets are faring, the outlook for UK interest rates and the impact of European politics on the Eurozone.
Focus on tax21 May, 2019
Top slicing relief - could the shorthand method leave your clients short changed?
A recent First Tier Tribunal (FTT) tax decision has called into question how tax relief available on bond surrenders is calculated. This decision may mean a smaller tax bill for some clients, particularly those whose total income is normally less than £100,000.