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What are the the new pension allowances and how do they work? Join us this October to find out! Featuring Andy Jervis, Claire Trott and Fabrizio Zumbo, MBA this event will also focus on how behavioural coaching helps advisers navigate through uncertainty when clients need it the most. To book your place at this interesting event, visit: https://lnkd.in/gdg5KEFb #FinancialPlanning #CPD #PensionAllowances #AlphaApproach #FinancialServices

DECUMULATION IDEAS #46: LET'S HAVE QUANTITATIVE PENSION SCORECARDS FOR ALL PROPOSALS! Yesterday, a friend and someone I hold in high regard, Josh Gotbaum, made me think carefully about comments I make on LinkedIn (which my wife and kids have given up on), and suggested that I was "making the perfect the enemy of the good" in attacking CURRENT NAIVE, #US #autoenroll #autoescalate policies. And then my other friend, Henry Tapper, writes a nice piece about the The Pensions Partnership Ltd in the #UK, and Sijb Bartlema Anne Laning Roland van den Brink Rob Bauer and others are holding the #Dutch #WTP to scrutiny. So I decided that we should use hard, quantitative metrics and not value judgements to make such comments. Is the US system good? What about the WTP? What about my comments about the #Brazilian #RendA+ (and its potential on creating a better private system) or my "perfect" #SeLFIES based program. I am a very lenient grader as my Georgetown University McDonough School of Business or The George Washington University students will attest to, but the US #401K / #StateIRA plans stink (and this is without negative grading ala the SATs)! Happy to debate anyone who claims otherwise...Will ask Roland van den Brink to grade the Dutch system and add to this. Please COMMENT/CRITIQUE/RAGE - we cannot be silent and hope things will change (especially my students and Sid Muralidhar Sachin Muralidhar's friends).

Learn the key things you need to know about Auto Enrolment in minutes. Employers now need to actively engage and start planning for this new reality. If you simply want more information to help understand how this pending change may affect your business. Don’t hesitate to reach out! 💻☎   #autoenrolment #retirementplanning #Irishlife #PTSB

💰 Your First Salary Deserves a Smart Start! 🎉 🌟 Dream Big. Plan Bigger. Start your SIP (Systematic Investment Plan) today and secure your retirement from day one! ✅ Why Start Now? 🌱 Power of Compounding: Small steps today, massive rewards tomorrow. 🎯 Financial Independence: Retire stress-free and live on your terms. 💡 Small Amount, Big Impact: Even ₹500/month can grow into a substantial fund. 💼 Your first paycheck isn’t just income—it’s your gateway to financial freedom. 👉 Start Your SIP Now. Your Future Self Will Thank You. #FirstSalary #SIP #RetirementPlanning #InvestEarly #FinancialFreedom

Ready or Not, Here Comes 100 🤯 Living to 100 is becoming more common than you think! Are you ready for it? 🤔 We’re used to the idea of retiring at 65, but that model needs a revamp. Longer lifespans mean we need to: ✅ Embrace lifelong learning: New skills = staying relevant and engaged! ✅ Reimagine retirement: Think part-time work, passion projects, mentoring – staying active is key! ✅ Challenge ageism: Experience is GOLD. Older adults have SO much to offer! And of course, financial planning is crucial! Make the most of your CPF and get advice from a capable financial advisor representative (like yours truly 😉). Let’s build a society where everyone can thrive, no matter their age! 💪 #longevity #retirementplanning #ChooseIndependent #LargestIFA

Psalms 90:12 So teach us to number our days, that we may apply our hearts unto wisdom. As a professional, we should have a growth metric. You don't start planing for retirement few years to it. Therefore, we should think as we grow in order to make wise decisions. #professionalscripture

Did you know financial stress is costing your people up to 13 IQ points? Few would argue that how we feel about money has an impact on how we feel about our lives and ourselves - but new research has revealed the effects of money stress are more extensive than we once thought. In our new report, Mind Over Money, we explore the crucial link between IQ and financial stress. With advisory input from Money and Pensions Service and University of California, Berkeley, the research reveals the impact money worries have on cognition, decision-making and mental wellbeing, through the exploration of a concept known as the scarcity mindset. To learn more about this and the simple interventions that can increase employee wellbeing and free up cognition, download the report here: https://hubs.la/Q02Fqz5P0 #ResearchAppreciationDay

All active members contribute to the career average scheme. Understand what this means and how your pension builds up by watching this short video: https://ow.ly/17GV50SvggC

💡 Supporting Younger Employees' Financial Wellbeing 💡 Given the current economic conditions, it's important for HR departments to support younger employees in managing their finances. The article below highlights a concerning truth that many young people in the UK complete 21 years of education without learning essential financial skills like tax, budgeting, or understanding pensions. This lack of financial knowledge can make it challenging to make informed financial decisions. By normalising financial discussions, providing education on long-term benefits, and offering practical advice, HR can empower younger employees to save for their future while managing current expenses. What initiatives does your organisation have in place to support financial literacy among younger employees?

Behind every purchase, there is a purpose, driven by both PUSH and PULL Factors. Assurance/Insurance encompasses both these aspects. **PUSH Factor: Assurance/Insurance shields clients from potential pain. - No need to borrow in times of uncertainty. - Eliminates the necessity to work strenuously post-retirement. **PULL Factor: Assurance/Insurance brings pleasure to clients. - Ensures worry-free children's education with comprehensive coverage. - Provides peace of mind through a lump sum income in case of unforeseen events affecting the breadwinner."