Debrief Article Archive
Supporting your business opportunities
The invisible safety net: what happens when there’s no Bank of Mum and Dad?
In this article we explore how young adults often rely on an “invisible safety net” of family, employers or the state. But those assumptions don’t always hold. While Gen Z believe protection matters, few are covered. Adviser conversations can reframe protection as independence - helping younger clients build resilience before life’s shocks arrive.
Bridging the Multi-Stage Gap: Women’s Retirement Readiness in 2026
Career breaks can be both necessary and beneficial for women for a variety of reasons, and they are more likely to take them than men. But few see the effects on their path to retirement.
As the pensions gap grows, career breaks have an unequal impact on women, prompting the question - how can advisers support and address this disparity?
The Impact of Salary Sacrifice Changes and 2029 Action Plans
The Autumn Budget introduced a policy change that, at first glance, may appear to be a small administrative tweak - but implications could be significant. While changes don't come into effect until 2029, advisers must grasp the opportunity to initiate comprehensive conversations with clients to future-proof their finances.
Are ISAs still a must-have as part of Advisers’ toolkits?
Cash ISAs are proving increasingly popular despite lower-than-inflation returns over the past 10 years, while Stocks & Shares ISAs prove much more successful. However, with changes set to take effect in 2027, are they still a crucial part of an adviser's toolkit?
The Zillennial wealth era
As the ‘great wealth transfer’ edges closer, greater scrutiny is being placed on how Gen Z engages with the world and their finances. For advisers looking to lock-in longer-term growth, understanding the habits, expectations, and aspirations of this generation could be key.
Responding to the shifting IHT landscape
There’s a huge shift on the horizon for IHT planning, necessitating a re-examination of the use of pensions in the wealth toolkit. The Scottish Widows Investment Confidence Barometer reveals the extent to which the behaviour of investors and advisers is having to change.
Is the Bank of Mum and Dad closed for new customers?
An increasing number of parents are reassessing the affordability and risk of handing over a significant amount of cash. Fearful of unexpected future costs, advisers have a key part to play in both making robust plans and helping wider family members navigate them.
Stick or twist: what the rise of 'AdviceTok' means for advisers
Social platforms are adding a new dimension to wealth planning and conversations about money, with ‘finfluencers’ opening up a new route to talk with often hard to reach audiences. But what will this mean for the advice gap and how advisers engage with new and future clients?
Protecting a legacy
Pensions being brought into IHT presents a new opportunity to engage with clients. While it offers a notable advice and protection opportunity, advisers rarely involved in the protection space need to ready themselves for the increased complexity of the available solutions.
Annuities back in vogue
Contrary to many people’s perception, annuities can also provide valuable features. Having fallen out of favour post pension freedoms, annuities are playing an increasing role in helping solve the IHT conundrum and helping clients deliver a robust financial legacy.
The real wealth transfer
By 2025, women could hold the majority of UK wealth. But with the gender investment gap continuing to widen, how can advisers reach more women?
Investments
Investments Insights
Topical insight from our experts and appointed investment managers and fund analysis from our Fund Manager Assessment Team.