Your latest EV FinTalk Newsletter

As promised in our previous edition, I am keen to help you navigate the challenges and seize the opportunities that 2024 has thrown at our industry so far.

As predicted this will be the year for change, and as we reach the halfway point, so far, it hasn't disappointed. The FCA's Retirement Income Advice Thematic Review has outlined some important flaws which must be addressed, and as a result, we will see positive change for consumers and the opportunity for innovations across our industry. 

It is concerning to see that numerous firms will fail to meet the requirements of the FCA due to their shortfall distinguishing between accumulation and decumulation risk. This challenge is exacerbated by the lack of transparency around the risk rating of many UK multi-asset funds and portfolios, making it nearly impossible for them to select the optimal funds for their clients. Our analysis shows a large proposition of retirees are exposed to too much risk with most multi-asset funds and portfolios geared towards the higher end of the risk spectrum.

I invite you to read on to learn more about the impact of income risk suitability and to download our research paper. 

Income Risk Suitability Methodology: Supporting Evidence

Latest News

Upcoming Webinar

EV launches risk suitability webinar: 'Dear CEO: it's a risky business'

As we gear up for the first webinar in EV's series focused on the FCA's Retirement Income Thematic Review, our founder, Bruce Moss, shares his insights on the critical importance of income risk suitability.

Don't miss this opportunity to hear Bruce's thoughts, along with other panellists from Parmenion, Scottish Widows and Octopus Money, and join the conversation on navigating this vital aspect of retirement planning.

Insights

Accumulation vs decumulation: an adviser's guide to

supporting income objectives

• Learn why it’s important to consider different risks when drawing an income for your client
• Differentiate between your clients’ growth and income objectives
• See how ‘income at risk’ can fit within your existing advice process
• Easily explain risk to your clients in a way that is easy to understand

Income at risk: a new way of discussing

drawdown with your clients

In this blog we introduce the concept of "Income at Risk" and how you can use it to ascertain whether your client's drawdown income levels are sustainable, the key to achieving their financial goals in retirement.

Would you like to share your expertise or contribute to the conversation and feature in EV Fintalk?

Championing ESG: Our Commitment to a Sustainable Future

At EV, we are dedicated to driving positive change, contributing to a sustainable world, and championing social inclusivity. Upholding the principles of Environmental, Social, and Governance (ESG) is at the heart of everything we do. Our initiatives are designed to create a lasting impact, ensuring that our operations align with the highest standards of sustainability and ethical governance. Interested in learning more about our ESG efforts? Click here to explore our initiatives and how we are striving to make a difference.

Events at EV

Discover where have been and where we are headed next. Explore these events to learn more about how we are simplifying the complex within financial planning and see us in action.

31ST JULY

2024

DEAR CEO: it's a risky business

Join us for a 1 hour CPD webinar featuring our guest chair, Tom McPhail from The Lang Cat, along with panellists from Parmenion, Scottish Widows, and Octopus Money. Together, we will explore evidence, consistency, and considerations of risk suitability and profiling,  examining income risk ratings and the impact of the FCA's Retirement Income Advice Thematic Review.