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The New Year Brings New Beginnings

The New Year Brings New Beginnings

The new year brings new beginnings for Onyx Insurance Brokers Ltd and we are delighted to announce the arrival of two new members of our ever-growing team.

Sue Williams joins us to bolster our UK Financial Services operation and brings with her a wealth of experience, knowledge and contacts within the sector.

Agent as Client. Who’s to blame?

Agent as Client. Who’s to blame?

The 'agent as client' business model ("AAC") has seen an increase in popularity in recent years; readers of this article will know that the growth in the use of this model coincides with the implementation of the RDR on 31 December 2012, following which advisers found...

How Protected Are IFA’s Against The Effects of Pension Freedoms?

How Protected Are IFA’s Against The Effects of Pension Freedoms?

As we all know, in April 2014, the UK Coalition Government announced that with effect from the 6 April 2015, people aged 55 and over would be able to make withdrawals from their Defined Contribution pension pot “how they want, subject to their marginal rate of income tax in that year.”

Furthermore, a requirement to seek financial advice from a suitably qualified individual was imposed upon those contemplating a cash equivalent transfer value of at least £30,000 from a Defined Benefit Pension Scheme.

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