Insider Media’s Post

Maryam L., Financial Planner at London & Capital, talks about the basics of National Insurance (NI) and how catch-up contributions could help you. Click below to read the article. #LondonAndCapital #WealthManagement #AssetManagement #StatePension #NationalInsuranceContributions

Explore how incorporating annuities can optimize revenue streams and provide structural benefits for RIAs. David Lau of DPL Financial Partners discusses key insights and strategies for financial advisors. https://hubs.la/Q02GYW7G0

Embarking on a PRT journey is not just about shifting financial burdens—it’s about forging a pathway to certainty in an unpredictable financial landscape. In this article, we delve into the intricacies of PRT, exploring its different types of risks and the strategies employed to manage them effectively. Read more: https://lnkd.in/eHvFn-ks #PensionRiskTransfer #PRT #Insurance #riskmanagement

TCC’s expertise in redress helped a firm that had come under fire from the FCA. The regulator was concerned about suitability failures following the firm’s introduction of an alternative private pension arrangement and instructed the firm to conduct file reviews to determine if this was the case. Our client sought TCC’s support as they knew only independent analysis would give them the unbiased clarity they needed to satisfy the regulator. TCC’s experienced redress team are skilled in dealing with complex and nuanced cases. Our actuarial experts calculated appropriate compensation for customers who were revealed in our review to have suffered financial detriment. Through finding efficiencies, our team reviewed 3,000 cases four months earlier than expected and saved our client over 20% of the original estimated costs. Read more >> https://bit.ly/3Wyy5tk #FCA #redress #compliance #consumerduty #suitability #oversight #outsourcing #governance #filereviews #analysis #privatepension #financialservices #redresscalculation #pension

Bulk annuity market outlook 2024: trends and insights Our latest analysis of the bulk annuity market reveals: * Approximately £22bn of business written or in exclusivity * Projected full-year volumes to exceed £40bn * Increased activity in the small scheme market * Evolution of large transaction approaches Key factors influencing the market: * Expanded insurer capacity * Shifting economic conditions * Development of streamlined solutions For pension scheme trustees and managers, preparation is crucial in this dynamic environment. Our blog offers a comprehensive overview of current trends and strategic considerations. https://lnkd.in/eRk2N2dq #BulkAnnuity #PensionRiskTransfer #MarketAnalysis #PensionManagement

Don't retire unprepared! Whether you're planning for retirement or have recently retired, you want to ensure you're on the right track. Join one of our unique financial workshops to learn about recent market performance and key financial strategies to protect your assets. Find out when we will be in your area next! Visit https://bit.ly/3EiA6SQ. #RetirewithJB #FinancialWorkshop #RetirementPlanning

The SECURE Act 2.0 includes guidance on new Pension-Linked Emergency Saving Accounts. If you are a plan sponsor, this impacts you. Learn more about contribution limits, required matching rates, anti-abuse provisions and reasonable procedure guidance. #RetirementSavings #PLESA #SECUREAct2 #JLKRosenberger

TFSAs or RRSPs? The choice depends on your financial goals. RRSPs offer tax-deductible contributions, lower-taxed withdrawals in retirement, and options for tax-free borrowing for a home or education. TFSAs, funded with after-tax income, provide flexibility for short-to-medium-term goals, with tax-free withdrawals and growth. Both are powerful tools; consult your advisor to align them with your investing goals. #TFSAs #RRSPs #FinancialGoals #InvestingWisdom https://lnkd.in/gHv6cHCR

Conversations with business owner clients this week: 1. Setting up a captive insurance company for risk coverage and tax benefits. 2. Hiring a business advisory firm to structure for a sale. 3. Internal succession vs. PE sale for a client nearing exit. 4. Current EBITDA multiples for industry and where does the business need to get to in order to meet retirement goals. 5. Comparing cash flow of directly held real estate to passive investments for a hands off retirement. If your wealth advisor only talks stocks and bonds, you deserve better. #WealthManagement #BusinessAdvisory #FinancialPlanning #ClearHarborWealth

Meet our clients! Our clients describe the best piece of advice they’ve received from their Flying Colours adviser. 💁♀️ “Something we wouldn’t have known was available, or considered using was to take out a separate life assurance policy on my husband’s annuity. This means that if he dies, the annuity will pay out for a longer period of time, than the annuity alone would do.” ✅ “Not to leave my money sat there in a bank account doing nothing, and to invest it for the future.” ✅ “For my wife not to transfer out of her defined benefit pension. This has proven to be sound advice.” ✅ “Not investing all our money in my name, for tax planning purpose, and to use ISAs.” ✅ If you’d like to find out what we can do for you, why not book a free, no-obligation consultation with one of our independent financial advisers? Book an appointment today using the link in the comments! #CapitalAtRisk #Investing #FlyingColoursClientCentred