opinion

7.2 million adults live as part of a cohabiting couple in the UK

'Now is the time to voice your concerns and respond to the review'

Application process streamlined but onerous role unchanged

Important milestone to a more accessible advice regime

Long-lasting effects of rising bond yields for pension savers

As clients save more it is essential to get the best long-term returns

Research should be at the core of all investment processes

An immediate sale is not the only solution

Advisers need a more consistent means to assess vulnerability

Scheme design has smart features that ameliorate potential downsides