Industry news and views from Panacea and our partners.
Fidelity Adviser Solutions
fidelity Adviser Solutions: Is there a missing asset class for retirees?
Market data shows bonds and equities are not always the diversifiers investors assume, with periods where both asset classes fall together. Fidelity Adviser Solutions’ Paul Squirrell explores what long-term correlation data tells us and how incorporating annuities alongside bonds and drawdown could help deliver more resilient and sustainable retirement income strategies. 5-minute read
Fidelity Adviser Solutions: Investment Outlook – Where are the opportunities?
Fidelity Adviser Solutions’ Investment Outlook explores the key themes shaping markets in the second half of 2026, including the ongoing AI investment boom and a reassessment of global equity leadership. Discover expert views on equities, bonds and alternatives, and why diversification remains crucial amid uncertainty and evolving investment opportunities. Watch or read
Fidelity Adviser Solutions: Helping clients with their financial wellness
If you’ve ever felt that clients’ money worries run deeper than the numbers, this five part video series from Fidelity Adviser Solutions is for you. Each short session shares practical, real-world ideas you can use straight away to spark better conversations, boost confidence, and make planning feel clearer and more human for you and your clients. Watch now
Fidelity Adviser Solutions: Pension Schemes Bill – what you need to know
With the Pension Schemes Bill now finalised and set to reshape the UK pensions landscape, employers and trustees must turn their focus to implementation. From value-for-money frameworks and scheme consolidation to new decumulation duties, the reforms introduce both opportunities and complexity. Fidelity’s Sarah Webster highlights the key priorities and practical steps to help schemes prepare for what comes next. 5–minute read
Fidelity Adviser Solutions: Cybercriminals exploit people, not systems – here's how
Today’s cybercriminals are shifting their tactics. They are increasingly targeting human behaviour rather than systems, using tactics like phishing, impersonation, and psychological manipulation to gain access. Understanding these threats is key to protecting you, your business, clients, and reputation. 5-minute read
Fidelity Adviser Solutions: The simple 4-step guide to securing lifetime income
If you’re looking to understand how a guaranteed income solution works on Fidelity Adviser Solutions’ platform, this short video is a great place to start. It walks you through the essentials in four easy-to-follow sections: what guaranteed lifetime income is, the quote process, income options and blending solutions. 12-minute watch
Pension Schemes Bill – what you need to know
With the Pension Schemes Bill now finalised and set to reshape the UK pensions landscape, employers and trustees must turn their focus to implementation. From value-for-money frameworks and scheme consolidation to new decumulation duties, the reforms introduce both opportunities and complexity. Fidelity Sarah Webster highlights the key priorities and practical steps to help schemes prepare for what comes next.
Fidelity Adviser Solutions: Cybercriminals exploit people, not systems – here's how
Today’s cybercriminals are shifting their tactics. They are increasingly targeting human behaviour rather than systems, using tactics like phishing, impersonation, and psychological manipulation to gain access. Understanding these threats is key to protecting you, your business, clients, and reputation. 5-minute read
Fidelity Adviser Solutions: Rewriting the rules: pensions and inheritance tax
Inheritance tax rule changes for unused pensions mean that advisers may need to review retirement income strategies for their clients. Fidelity Adviser Solutions article and guide explore the practical challenges, opportunities and trade offs involved in running down pension assets, managing surplus income and effective estate planning strategies for future generational planning needs. 3-minute read
Fidelity Adviser Solutions: Helping clients with their financial wellness
If you’ve ever felt that clients’ money worries run deeper than the numbers, this five part video series from Fidelity Adviser Solutions is for you. Each short session shares practical, real-world ideas you can use straight away to spark better conversations, boost confidence, and make planning feel clearer and more human for you and your clients. Watch now
Fidelity Adviser Solutions: AI in financial advice and FCA expectations
AI is reshaping financial advice, and the FCA is sharpening its focus on how firms use it. In this article, Fidelity Adviser Solutions outlines the regulator’s expectations around governance, data use, and client outcomes – highlighting what advisers should be thinking about as AI becomes more embedded in everyday processes. A concise, practical overview for anyone wanting to stay aligned with emerging regulatory standards.
Fidelity Adviser Solutions: Welcome to the new tax year
A new tax year brings fresh allowances and valuable planning opportunities for you and your clients. Fidelity Adviser Solutions tax year beginning hub highlights key actions to consider – covering tax returns, Bed & ISA strategies and capital gains planning. You’ll also find guidance on pensions, bonds and inheritance tax, along with insights on market volatility to support your client conversations as the new tax year gets underway.
Fidelity Adviser Solutions: Pension changes for 2026/27 and beyond
This brief overview from Fidelity Adviser Solutions outlines the key developments you need to be aware of including updates to inheritance tax treatment, the rising Normal Minimum Pension Age, potential shifts in State Pension Age, and evolving salary sacrifice rules. It also highlights wider policy areas under review to help you stay informed and prepared for long–term planning discussions. 3–minute read
Fidelity Adviser Solutions: Tax tables 2026/27
Fidelity Adviser Solutions’ tax tables show information for 2025/26 and 2026/27 relating to tax rates, allowances and pensions. You can easily track changes to income tax, pensions, including State Pension and inheritance tax to support your advice recommendations.
Fidelity Adviser Solutions: Pensions: the regulatory runway
A wave of pension reforms is on the horizon, many of which could significantly influence your client conversations. In this short overview, Fidelity Adviser Solutions highlight the key changes - including inheritance tax treatment, the rising Normal Minimum Pension Age, State Pension Age developments, and evolving salary sacrifice rules. They also explore several wider pension topics currently under debate.
Fidelity Adviser Solutions: Helping clients build financial self-efficacy
In their latest psychology of retirement series, Fidelity Adviser Solutions explore one of the biggest drivers of retirement readiness: a client’s confidence in understanding and engaging with their finances. This short video shows advisers how simple shifts in communication and planning can dramatically boost a client’s sense of clarity, control, and emotional preparedness for retirement. 4–minute watch
Fidelity Adviser Solutions: Building trust in retirement conversations
Helping clients feel ready for retirement isn’t just about the numbers – it’s about building confidence, clarity, and connection. In this short video, Cowry Consulting’s Mana Jhaveri breaks down Fidelity’s latest behavioural research and reveals three practical ways advisers can strengthen trust during retirement conversations.
Fidelity Adviser Solutions: How does the UK State Pension measure up?
The State Pension is set to increase in April in line with the triple lock. Marianna Hunt compares the UK State Pension with other state provision, assessing it in terms of cost as a percentage of GDP and also as an income replacement rate. This insight further highlights national affordability and the need for taking personal responsibility for retirement savings. 3-minute read
Fidelity Adviser Solutions: How will IHT changes impact financial planning?
The plans to make unused pensions part of an estate, and therefore subject to inheritance tax on death, has a significant impact on retirement planning. Fidelity Adviser Solutions’ report provides a guide on inheritance tax rules for assets, gifts, trusts, pensions and other financial planning aspects.
Fidelity Adviser Solutions: Stay invested, be diversified
After three years of rising markets, Fidelity’s Tom Stevenson is optimistic but cautiously so. While the bull market is clearly long in the tooth, it feels like it has further to go. Staying invested, being diversified and holding a decent cash buffer to ride out any volatility looks like a sound strategy for 2026. Here, Tom offers his insights into the global economy and emphasises the enduring importance of diversification.
Fidelity Adviser Solutions: Does saving into a pension still make sense?
With fresh IHT changes sparking client questions (and a lot of noise in the press), this article goes back to basics and cuts through the confusion. Fidelity Paul Squirrell breaks down the real impact of the 2027 IHT shift, the numbers advisers actually need to see, and why pensions still deliver exceptional value – despite the headlines. A quick, clear must read for anyone reviewing retirement and decumulation strategies.
Fidelity Adviser Solutions: Tax year end planning tools and resources
With the tax year end approaching, why not check out Fidelity Adviser Solutions' dedicated web hub? It contains everything you need at this busy time of year, including all the tools and resources that can help with managing client accounts. It also contains tips on avoiding delays, tax planning insights, client report management and the latest tax tables.
Fidelity Adviser Solutions: A snapshot of the 2025 Budget for financial planners
The November Budget may have been one of the most leaked in history, but it still brought a few surprises. Fidelity Adviser Solutions’ summary covers the key changes around ISAs, pensions, tax thresholds, inheritance rules, and investment reliefs. It also explores the tax implications across different client scenarios and wrappers for the current tax year as well as for changes coming in April 2026 and April 2027.
Fidelity Adviser Solutions: Labour’s ‘no choice’ tax-raising Budget
Last week, Rachel Reeves outlined her plans to raise revenue and fund public spending - but how might the new measures affect your clients' finances? Fidelity's Tom Stevenson shares his take on the key themes and their potential impact on your clients' finances.
Fidelity Adviser Solutions Webinar: Financial planning considerations at tax year end
The end of the tax year is always a critical time for advice practitioners and 2026 could bring significant changes following the Government Budget announcement. Are you ready to navigate what’s new and what’s next? Join Fidelity experts Paul Richards, Paul Squirrell, and Jon Hale on 22 January 2026 for an exclusive 45-minute session designed to help you deliver the best outcomes for your clients.
Fidelity Adviser Solutions: Return of the ‘unretired’
Whatever the reason, the ‘unretired’ are just one part of a fluid movement towards a more progressive concept of retirement. Often, people returning to work may do so in a reduced capacity. In other words, they may work fewer hours or in a less demanding role. This raises a number of considerations when it comes to retirement planning.
Fidelity Adviser Solutions: Navigating income in decumulation
In today's unpredictable financial landscape, achieving a dependable income stream during decumulation calls for strategic planning and informed choices. To help support your client conversations, we’ve curated content from several of our fund partners to explore effective strategies for maintaining stability and safeguarding your clients' financial futures.
Fidelity Adviser Solutions: The silent threat of social engineering
Social engineering is a silent but potent threat that cybercriminals use to exploit human emotions and gain access to sensitive information. Katie Beecroft from Fidelity International unravels the deceptive tactics of social engineering, such as phishing, smishing, and impersonation scams. Katie gives practical tips and insights into recognising scam attempts, including the Four S's strategy.
Fidelity Adviser Solutions: Is sequencing risk the nemesis of a comfortable retirement?
Are your clients concerned about the impact of market downturns on their retirement plans? Here Fidelity Adviser Solutions discuss strategies to tackle sequencing risk – the potential nemesis of a comfortable retirement. We delve into both traditional and modern approaches to safeguard your clients' financial future, including living off natural income, maintaining a cash buffer, and the innovative solution of integrating guaranteed lifetime income with smoothed managed funds.