Financial Services Unplugged with Tom McPhail
The Equity Release episode

The Equity Release episode

June 21, 2022

In this episode, Tom talks about the equity release market and how it fits with later life financial planning. He also dissects recent publications, from the FCA/TPR on the pensions consumer journey and from the DWP on helping savers understand their pension choices

HOUSE RULES - the lang cat (langcatfinancial.co.uk)

FS22/3: Pensions consumer journey | FCA

Helping savers understand their pension choices - GOV.UK (www.gov.uk)

Pension engagement – the Robert Cochran episode

Pension engagement – the Robert Cochran episode

June 13, 2022

From pension freedoms, through workplace pensions to the new engagement season advocated by the Pensions Minister, better consumer engagement on pensions is a vital element of delivering better retirement outcomes.

The Pension Credit episode with Henry Tapper

The Pension Credit episode with Henry Tapper

June 6, 2022

Pension Credit is money the government struggles to give away. Henry Tapper of Age Wage and I talk through the issues. We also get onto Value For Money, retirement income and CDC schemes.

Henry’s blog: Henry Tapper

It’s going to be a busy summer

It’s going to be a busy summer

May 30, 2022

A quick review of current policy initiatives from the FCA, DWP and HM Treasury suggests we may not have a lot of time for summer holidays this year.

Making allowances for pensions

Making allowances for pensions

May 24, 2022

Along with Andrew Tully and Paul Speight of Canada Life, I try to make some sense of the pension tax allowances, the state pension and almost inevitably, the advice/guidance boundary.

ESG with Caroline Hopper of Quietroom

ESG with Caroline Hopper of Quietroom

May 17, 2022

Caroline Hopper and I talk about what ESG looks like from a member perspective and how should it be communicated. We also discuss how it fits into the broader picture of member engagement and fraud prevention.

If Waldorf and Statler did financial services lobbying…

If Waldorf and Statler did financial services lobbying…

May 11, 2022

OK, so they’d probably be a bit funnier than us two, but Ralph Jackson of Lansons has been doing policy making on behalf of financial services firms since before I even knew it was a thing. He has a wealth of knowledge and insight about how the system works and how firms engage with political change.

State pension age, Parliament’s review of pension freedoms and some more structural musings

State pension age, Parliament’s review of pension freedoms and some more structural musings

May 4, 2022

The state pension age is being reviewed so I’ve put together some facts, figures and reflections on our state pension and why the whole mess is Bismarck’s fault. I've included a comparison with how the French do it. I’ve also looked at the Government’s response to the DWP Committee’s report on pension freedoms and what it tells us about government policy. 

What’s going on with retail investment platforms

What’s going on with retail investment platforms

May 3, 2022

The lang cat’s own ace data and insights analyst Steve Nelson, and antipodean refugee turned Citywire journalist James Fitzgerald talk through what’s happening in the world of retail investment platforms. Also, why Transact is the Sergei Bubka of platform pricing.

If you want to know more about the lang cat's research into the platform market, head over here

https://langcatfinancial.co.uk/publications/state-of-the-platform-nation-2021-22/

What’s the ABI up to?

What’s the ABI up to?

April 26, 2022

The ABI is busy, on auto enrolment, pension engagement, advice and guidance, social care, small pots, dashboards, retirement income guidance and more; here’s an update on what’s going on.

PS, I got the mic setting wrong on this one so the sound quality is a bit poor, sorry.

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