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Government pushes generic pensions advice as 'IFAs deter saving'

"The Government has blamed independent financial advisers rather than individuals for the lack of personal savings motivation, by suggesting the "huge" cost of advice and the previous mis-selling scandal all deter people from putting money aside."
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Passing the buck is easy

'Reasons Why' There is a 'savings gap'
The main reasons are:

	Lack of Regulatory Proportionality.
	Retrospective legislation.
	Retrospective taxation of pensions.
	Madness of the 1% world, there is insufficient margin to reward companies and advisers.
	Abject failure to admit that people are 'persuaded' to save. Most don't save voluntarily.
	The decimation of salespeople through a combination of the above.

REAL Solutions to the problem
These are simply:

	Bring in Regulatory Proportionality.
	Remove Retrospective legislation.
	Remove Retrospective taxation of pensions.
	Remove the madness of the 1% world, ensure there is sufficient margin to reward companies and advisers.
	Admit that people are 'persuaded' to save.
	Bring back the armies of salespeople through a combination of the above.

UNREAL Solutions to the problem
These are simply:

	Compulsion will lose votes.
	The FSA website won't persuade people to save.
	A piece of software won't persuade people to save.
	Making products 'cheap' won't persuade people to save.
	Wasting millions on review after review won't solve anything.
	Advice must be paid for, or there won't be anyone left to persuade people to save.

The IFA world as we know it, SCORCHED EARTH!

Say NO to 0870 and 0845 numbers

IFASOK is on the case.