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The capstone report for money capstone logistics joliet address bleach movie 1 review in this video I'm going to talk a little bit about the issue of consumers and Trust in the financial services industry in general and what that might mean for IFAs and how that can actually be an opportunity for advisors so there of being for quite significant attacks on the financial services industry in the in the press just this last month so I wanted to examine each of those in turn see what it meant for the industry and have a think about what it meant for advisors as well the first attack and the one that actually got the most attention within the financial services industry at least was from Greg Mikkel months he's the shadow pensions minister the labor and he basically said that providers had to put a stop to rip off pension charges and what he stated was if they were not able to address this issue by the time labor came to power they would force them to so he was implying that they would legislate in some way to address the issue of rip off pension charges now I guess he was he was looking for a headline there it obviously is going to play very well to the voters coming across as a consumer champion but he does have a point there are many pensions out there that have very high charges and the charge is there not exactly hidden but they're not 100% transparent and it is difficult for many consumers to actually understand what they're being charged for their pensions so this is something that's happening in the accumulation phase it's significantly reducing the amount of money that people can save within their pensions and of course it's something that it's a bad headline that reduces trust in the industry and particularly in the idea of saving in a pension and the second attack came from Russ Altman and this was in the Daily Mail so it got much more attention with the man on the street and she was really focusing in on annuities and just what poor value they represent at the moment and by her calculations if you were to buy an annuity at 65 on average you'd need to live 282 to get your money back and 90 before it actually became good value and she made some quite important points her main point was that it's very difficult for consumers to understand annuities they're impacted by things like inflation rising life expectancy quantitative easing there's also factors in the pricing of annuities and factors that consumers don't understand that are dictating how much income the annuity is going to pay them so these are things like the the level of interest that it level of interest rates and the level of return that the life company is going to get investing the money it's also things like the risk margin that the life company builds in and their own profit margin and those last two in particular and they're not transparent they're not something that's made clear to the consumer so we don't know how much of their own margin for risk the life companies building in and we don't know how much of their own profit that they're building in we do know that annuities are a very profitable business for life companies so they're very poor value for consumers and a further point ROS Altmann made was that if you had any other financial purchase like this where there was an element of compulsion it was a permanent decision and you are at risk of either having a very poor value investment or in fact losing all of your capital this would be slapped with high-risk warnings all over it and you would really you know the best course of action would be to take advice on making the purchase but this doesn't seem to exist with annuities so this was another negative headline this time around the D cumulation phase and again it's something that shows the financial services industry in a bad light and it's going to be something it's going to really put people off the idea of saving and particularly again saving into pensions and the third headline probably got less attention but it came from Gina Miller of the true and fair campaign and it was related to the investment management associations the imas sort or statement a recommended practice and this was a statement of recommended practice for accounting and what was meant to come out of this was a single figure that investors could use to assess just how much it cost them to invest in a particular fund and and what Gina and the true and fair campaign was stating was that this was really just the whitewash you still can't get a single figure it's still very difficult to understand in the entirety just how much it cost you to be invested in the fund there's still a lot of hidden costs like transaction costs which we've we've covered in separate videos so this was something related to the accumulation phase again and again any sort of consumer or the man on the street looking at this again would think financial services industry were just set up to give them I charges take their money and not be very transparent about in the process so it's another thing that's destroying trust in the financial services industry the final issue I wanted to look at was from Tony hazel who writes in ftadviser so this one was just in the industry press it wouldn't have been seen vary widely but it was just a colony wrote where he he he touched on a case he'd been involved in we're basically a gentleman had been mis-sold a pension that had extortionate lehigh charges Aviva was the the current provider but they'd inherited this business through a series of mergers and takeovers but Tony's point was yes Aviva will be able to say that the mis-selling took place 25 years ago way back in the past and they don't work like that anymore but they have still been content to collect those high charges for the preceding 25 years and so if the financial services industry really is going to be fair and transparent and if it's going to lick live up to the sort of rhetoric that it's putting out there at the moments about fairness and transparency what it would really need to do would be to go through the entire all of its book of business and root out all of these old cases where they have been mis-sold in the past and where the charges are just extortion me high and address them and you know I really really agree with him it's a really key point it would be a much much more powerful statement about how financial services businesses we're going to be more transparent more honest to deal with their clients on a much fairer basis it'd be a much more powerful statement than any amount of advertising or marketing that they can put out there so in summary where am I going with all of this well you know four pieces of bad news for the financial services industry but I do think it can be turned around to present an opportunity for professional advisers I think there might be a tendency for the general public to lump financial advisors in with bad bankers and just everything negative that they hear about the about the financial services industry but really advisors can be on the consumers side and should be on the consumer side and they can help them pick their way through this minefield they can help them with low-cost investment solutions they can help them with low-cost pension rappers they can advise them on retirement at purchasing the correct annuity for that individual and they can protect their consumers from the worst excesses of the financial services industry so you know I FAS really should be consumer champions and I think there needs to be some effort from the advisory community to sort of paint themselves in that light differentiate themselves from these kind of excesses and these mistakes that the providers and the institutions are making and demonstrating to ordinary consumers that they can really help them and really add value by working with them and by consumers working with advisors do my excel capstone project 2016 cheap New York City College of Technology.