Cashflow modelling is the “only authentic way” to assess a client’s risk.

A client who suffered a devastating car accident shows how DB transfers can change lives for the better, a Chartered Financial Planner says.

Major changes to data protection rules will be Financial Planners’ ‘greatest challenge’ this year and is bigger than many have anticipated, planners have said.

Over many years the big insurance and investment companies have been portraying retirement as one big vacation where sensible savers can play golf or lounge about on sandy beaches, living their retirement dreams.