Industry news and views from Panacea and our partners.
Fidelity Adviser Solutions
Fidelity Adviser Solutions: Why the 4% rule shouldn’t be ‘the tail that wags the dog’
Reliance on a single figure is overly simplistic. The recent FCA thematic review of retirement advice questioned whether a single rate, that doesn’t reflect individual circumstances, is appropriate. Here Fidelity Adviser Solutions look at the cost of a comfortable retirement and the circumstances which determine how much someone can safely take.
Fidelity Adviser Solutions: New: Flexible Investment and Retirement Solutions
Fidelity Adviser Solutions innovative service has been designed to provide you with the flexibility to support your Central Retirement Proposition.
Fidelity Adviser Solutions: How to enrich your client interactions
Research shows that improved emotional intelligence boosts client trust, reduces adviser stress, and leads to better financial outcomes. To support this, Fidelity Adviser Solutions have partnered with expert James Woodfall to create 13 training videos, grouped into 4 modules, designed to enhance advisers' emotional intelligence and client interactions.
Fidelity Adviser Solutions: The benefits of integrated solutions
Fidelity Adviser Solutions latest report reviews some of the different approaches to dealing with sequencing risk and explores whether there may be better options available – new solutions that can deliver optimal long-term outcomes, commensurate with a client’s capacity and tolerance for risk, without exposing them to market falls in the early years.
Fidelity Adviser Solutions: IFA DNA special edition – Rewriting the adviser’s day
Fidelity Adviser Solutions research shows that the majority of an adviser's day is typically spent preparing and writing up reports and plans, conducting research and ensuring regulatory and compliance tasks are completed. So, what does an adviser’s workday look like? Here you’ll discover four unique adviser profiles, with distinct motivations and tasks, offering a fresh perspective on role and career paths.
Fidelity Adviser Solutions: IFA DNA: The code for the future advice firm
Fidelity Adviser Solutions are excited to share the latest insights from IFA DNA, our annual examination of the evolving landscape for advice firms. This year’s findings are clear: advisers are seeking more client interaction and less administrative burden. Our report delves into how AI adoption is helping firms tackle this challenge.
Fidelity Adviser Solutions: New retirement income approaches gaining in popularity
Drawdown has largely been acknowledged as the ‘winner’ in terms of product since the introduction of pension freedoms. However, as revealed in AKG’s latest industry research paper, this may now be changing.
Fidelity Adviser Solutions: Slaying the dragon
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.
Fidelity Adviser Solutions: Triple Lock: what will the State Pension be in the future?
The guaranteed and inflation-proof income the State Pension offers is vital in providing a baseline for those in retirement. The payment has been getting more generous, and that’s thanks to the ‘Triple Lock’. But how far could the State Pension rise in the future?
Autumn Budget: inheritance tax and other possible changes
Chancellor Rachel Reeves has a huge challenge on her hands trying to balance the nation’s books and will be looking at all possible ways to raise extra tax revenue in this year’s Autumn Budget. Here Fidelity Adviser Solutions round up what those changes could be and how they could impact you and your clients.
Fidelity Adviser Solutions: Are you taking the CII exams next month?
Fidelity Adviser Solutions offer more than 50 videos covering learning for J05, R04, R08, AF3 and AF7 - including a video on exam technique. We've included content on the three allowances replacing the LTA, the transitional tax-free amount certificate, and transitional protections such as fixed, individual, primary, and enhanced. Additionally, we provide an overview of death benefits.
Fidelity Adviser Solutions: Enhancing client relationships: Emotional intelligence
Research shows emotional intelligence is linked to job performance and by improving your understanding of emotions, you can enrich your client interactions. We’ve curated series of training videos to help you develop your skills and explore how boosting your emotional intelligence can elevate the way you work with clients.
Fidelity Adviser Solutions: Update: Unused pension funds and inheritance tax
HMRC issued their response on 21 July 2025 to the Government's draft legislation and subsequent consultation on the liability. Paul Squirrell, Fidelity Head of Retirement and Savings Development, provides an update on the main changes announced within this response along with a reminder of the proposals originally laid out.
Fidelity Adviser Solutions: Can clients have their cake and eat it?
As people begin to reflect on their life after work, they’re often consumed by one question: How much do I need for a comfortable retirement? In this article Fidelity look at the impact of different risk factors and how retirees could manage or underwrite these risks to make the most of their retirement savings.
Fidelity Adviser Solutions: Does basic admin distract you from profit-generating projects?
Making firms more productive remains the number one concern for IFAs according to 2024 research by Owen James. Take a look at Fidelity’s range of guidance and support items, designed to help you with the hard and soft skills needed to achieve even more success for your business.
Fidelity Adviser Solutions: Markets back on the front foot after a volatile first half year
From Middle East tensions to US deficits and stubborn interest rates, markets have taken it all in their stride. This mid-year Investment Outlook unpacks the surprises of 2025 so far. Fidelity’s Tom Stevenson shares his thoughts on the global economy and why staying diversified and focused on the bigger picture is more important than ever.
Fidelity Adviser Solutions: Pension decumulation payment options
The flexible pension decumulation options available on Fidelity Adviser Solutions’ platform include a variety of payment choices to suit clients' needs. They're all manageable online with straight-through processing (STP). Their comprehensive guide gives detailed information on processes, timescales, and strategic combinations to maximise clients’ retirement planning.
Fidelity Adviser Solutions: Pensions and IHT - should clients’ Expression of Wish be updated now?
Inheritance Tax on unused pension funds will apply only to deaths after April 2027. For now, the consensus is to cautiously handle and possibly defer non-urgent irreversible decisions until there's more clarity on proposal implementation. As we navigate this interim period, best practice is to complete clients' Expression of Wish assuming one could die tomorrow and avoid conflating this by attempting to cover all future scenarios.
Fidelity Adviser Solutions: 12 security-related questions to ask your platform partner
Fraud and cybersecurity breaches can put a whole firm at risk and keeping clients' data and assets safe is a major concern in today's world. To help you with your due diligence, Fidelity Adviser Solutions have created a checklist covering 12 security-related questions they recommend you ask your platform partner. They have provided our answers for each of these important areas.
Fidelity Adviser Solutions: Tackling retirement income challenges and finding opportunities
Fidelity Adviser Solutions asked Laura Whetstone, Director at Lathe & Co Wealth Advisers, about the challenges financial planners and their clients when approaching retirement including cashflow reporting and the impact of the pensions and IHT policy changes. Paul Squirrell asked John Hale how platforms are rising to these challenges and how they can support the changing income needs of clients through retirement.
Fidelity Adviser Solutions: Can clients have their cake and eat it?
Retirement decumulation planning is usually presented as a binary decision – the flexibility of drawdown or the certainty of a lifetime annuity. But is there a special alchemy when the two solutions are combined? Hybrid or integrated solutions haven’t yet gained significant traction but analysis suggests it may provide additional benefits to clients.
Fidelity Adviser Solutions: Investment risk and retirement
There’s evidence that suggests aversion to risk increases at retirement. However, an overly conservative portfolio may not deliver the returns needed. Conversely, too great a reliance on high-risk assets can expose retirees to sequencing risk. In their latest report, Fidelity Adviser Solutions evaluate how to manage risk during this period and explore the pros and cons of different solutions.
Fidelity Adviser Solutions: State Pension – helping your client conversations
The State Pension is an important consideration when managing a client’s retirement income. In both our client-friendly and practitioner technical guides we examine the differences between the old and the new State Pensions and the options open to clients should they wish to boost their entitlement.
Fidelity Adviser Solutions: Capital Gains and Investment Accounts
At face value, calculating the gains or losses on an investment seems a relatively straightforward process. In reality, it can be quite complicated. In this video, Fidelity Paul Squirrell covers the methodology for performing these calculations as well as how to establish whether any tax is payable and, if so, how much.
Fidelity Adviser Solutions: Can clients have their cake and eat it?
Retirement decumulation planning is usually presented as a binary decision – the flexibility of drawdown or the certainty of a lifetime annuity. But is there a special alchemy when the two solutions are combined? Hybrid or integrated solutions haven’t yet gained significant traction but analysis suggests it may provide additional benefits to clients.
Fidelity Adviser Solutions: A new guaranteed lifetime income option within drawdown
As part of Fidelity Adviser Solutions’ ongoing commitment to providing advisers and their clients access to an ever-growing choice of retirement solutions, they’ve launched, in partnership with Standard Life, a guaranteed lifetime income option within drawdown. The plan is designed to address the challenge of ensuring retired clients have sufficient income over their lifetimes.
Fidelity Adviser Solutions: Tax tables 2025/26
Plan ahead with Fidelity Adviser Solutions latest tax tables – all the rates and thresholds for 2025/26.
Fidelity Adviser Solutions: Tax treatment of money purchase death benefit payments
Under the Lifetime Allowance (LTA) replacement regime, one of the three new allowances is the Lump Sum and Death Benefit Allowance (LSDBA). If an individual took benefits prior to 6 April 2024 that used some or all of their LTA, their LSDBA may be reduced. Here is a rough guide – including a flowchart – to the tax treatment of money purchase death benefit payments.
Fidelity Adviser Solutions: Due diligence: Choosing the right partner for your business
Conducting due diligence plays an important role in meeting the requirements of the Consumer Duty and helps to ensure good client outcomes. To support you with the process, Fidelity Adviser Solutions have a range of items available, including suggested suitability wording for your clients along with specific guides on why you can recommend our Pension, ISA and Investment Account.
Fidelity Adviser Solutions: Why the 4% rule shouldn’t be ‘the tail that wags the dog’
Reliance on a single figure is overly simplistic. The recent FCA thematic review of retirement advice questioned whether a single rate, that doesn’t reflect individual circumstances, is appropriate. Here Fidelity Adviser Solutions look at the cost of a comfortable retirement and the circumstances which determine how much someone can safely take.