Opinion

People want clarity and transparency

The announcement in the Budget that the implementation of the cap on social care costs will be moved forward to 2016 at a rate of £72,000 came as little surprise as the Chancellor of the Exchequer George Osborne had pre-announced this in the media at...

The Chancellor's announcement of some tax relief on health-related interventions is welcome. But, at the same time, it also feel likes a missed opportunity.

The imminent Welfare Reform Act should serve as a wake-up call to the public. It will be launched on 1 April and will bring major changes to payments for thousands of people and further reinforce that reliance on the State is a fool's paradise.

The excessive complexity of many financial products has dogged the financial services industry for as long as anyone can remember. I hope the publication of Carol Sergeant's Review of Simple Financial Products proves to be a watershed for the industry...

The government has set the care funding cap at £75,000. Most have criticised the move in that the cap is too high to benefit the majority of private funders, nor does it take accommodation costs into account. What are your views and how will it affect...

Are employee benefit communications with staff all 'gadrags and handbags', asks John Ritchie.

The positive side to G-Day was definitely that we saw the need to carry out full reviews of all our clients, making them aware of the implications of G-Day and getting their policies on risk before premiums went up. This meant that we had a lot of business...

The recent Government policy statement in response to the Dilnot Commission on the funding of care and support highlights problems when it comes to planning for care costs, Andy James explains.

As someone who feels passionate about women having financial protection and owns a practice that specialises in advising women, I wrote a lot of protection business before G-Day.