This document summarizes the key risks and opportunities related to pension changes in 2015 in the UK. The top six risks are listed as fraudulent investment schemes, unexpected tax bills, giving up final salary guarantees, pension pots running out too soon, investments not meeting expectations, and overestimating state benefits. It also discusses challenges facing pension trustees such as communicating budget flexibilities. Overall, the document outlines issues and considerations surrounding recent UK pension reforms being implemented in 2015.
Canadian government have to provide the rcmp with the resources it needsNPF-FPN
Without enough resources, it would be difficult for any organization to thrive and prosper. This is also true with the Royal Canadian Mounted Police. The police force needs to have enough financial resources in order to meet the rising demands. If the government will not address the compensation and workload issues that the police force is facing right now, it will be hard for the force to recruit new members.
National Police Federation - RCMP Members Association | NPF-FPNNPF-FPN
The mission of the National Police Federation is to provide strong, professional, fair and progressive representation to promote and enhance the rights of RCMP Canadian members. Join the NPF RCMP Now!
Canadian government have to provide the rcmp with the resources it needsNPF-FPN
Without enough resources, it would be difficult for any organization to thrive and prosper. This is also true with the Royal Canadian Mounted Police. The police force needs to have enough financial resources in order to meet the rising demands. If the government will not address the compensation and workload issues that the police force is facing right now, it will be hard for the force to recruit new members.
National Police Federation - RCMP Members Association | NPF-FPNNPF-FPN
The mission of the National Police Federation is to provide strong, professional, fair and progressive representation to promote and enhance the rights of RCMP Canadian members. Join the NPF RCMP Now!
An up-to-date review of the Affordable Care Act, sometimes called ObamaCare. I will be presenting this tomorrow at the Crowne Plaza in White Plains, NY.
At the start, we the SABC8, want to affirm the good work done in 2016 by parliament’s portfolio committee on communications, the ad hoc committee on the SABC and the interim board of the SABC.
AALU Washington Report: The Big Six’s “Unified” Tax Framework: Potential Impa...Fulcrum Partners LLC
MARKET TREND: Tax reform has moved to the front and center of the Congressional agenda.
SYNOPSIS: The so-called “Big Six’s” proposed tax reform framework calls for significant reductions in income and corporate tax rates and a repeal of the estate and generation skipping transfer (GST) tax (but is notably silent on the gift tax). The framework is merely an opening gambit as Congress begins serious deliberations on tax reform, and there will be a number of ups and downs as the details of tax reform are developed. Regardless of how the details shift as a final legislative package is crafted, life insurance remains an essential component of a comprehensive and well-balanced financial plan.
Your Taxes 2013 - What will change (and what won't)csawaf
Several tax hikes, some tax breaks. Now that the fiscal cliff deal assembled in Congress is becoming law, it is time to look at some of the tax law changes that will result.
A Comparison of Special Leaves in GCC.pdfFiyona Nourin
In addition to the common leaves which are available in all the countries i.e. Annual Leave, Sick Leave and Maternity leave, there are certain other leaves which are mentioned in relevant countries’ labour law
Federal Laws Regarding Compensation: A Major Contributor to Employee RetentionLela_Richer
Employees that get the compensation they deserve are more inclined to stay in their current company. Proper compensation—including wages, overtime and vacation pay, incentives, and monetary rewards—encourages them to work hard. It also influences their decision to stay with a company.
New Year 2015 Predictions; Pension Industrysanlamuk
Elliott Silk, Head of Employee Benefits at Sanlam said:
Potential new pension scams. Pension liberation means that after April 2015, more over 55’s will be accessing their pension cash and there is the potential for us to see a wave of new fraudulent scams. We have already experienced the dangers of ‘pension liberation’ companies which are set up to dupe people into accessing their pension with devastating financial effects. We expect to see a new wave of corrupt boiler room scammers using high pressure telephone sale techniques to target the 55’s and over. They will promise high returns in exchange for cash from small pension pots, promising to invest in non-existent structures such as ‘Eastern European property ventures’.
State of the States: An Analysis of the 2015 Governors’ AddressesALEC
State of the States is an in-depth study of governors’ tax, budget and pension reform proposals. The report gives insight into which states proposed economic reform to protect taxpayers and which states took steps toward increasing state revenue. This report also features graphics that reveal regional trends in proposed reforms while also highlighting which states have a newly elected governor.
An up-to-date review of the Affordable Care Act, sometimes called ObamaCare. I will be presenting this tomorrow at the Crowne Plaza in White Plains, NY.
At the start, we the SABC8, want to affirm the good work done in 2016 by parliament’s portfolio committee on communications, the ad hoc committee on the SABC and the interim board of the SABC.
AALU Washington Report: The Big Six’s “Unified” Tax Framework: Potential Impa...Fulcrum Partners LLC
MARKET TREND: Tax reform has moved to the front and center of the Congressional agenda.
SYNOPSIS: The so-called “Big Six’s” proposed tax reform framework calls for significant reductions in income and corporate tax rates and a repeal of the estate and generation skipping transfer (GST) tax (but is notably silent on the gift tax). The framework is merely an opening gambit as Congress begins serious deliberations on tax reform, and there will be a number of ups and downs as the details of tax reform are developed. Regardless of how the details shift as a final legislative package is crafted, life insurance remains an essential component of a comprehensive and well-balanced financial plan.
Your Taxes 2013 - What will change (and what won't)csawaf
Several tax hikes, some tax breaks. Now that the fiscal cliff deal assembled in Congress is becoming law, it is time to look at some of the tax law changes that will result.
A Comparison of Special Leaves in GCC.pdfFiyona Nourin
In addition to the common leaves which are available in all the countries i.e. Annual Leave, Sick Leave and Maternity leave, there are certain other leaves which are mentioned in relevant countries’ labour law
Federal Laws Regarding Compensation: A Major Contributor to Employee RetentionLela_Richer
Employees that get the compensation they deserve are more inclined to stay in their current company. Proper compensation—including wages, overtime and vacation pay, incentives, and monetary rewards—encourages them to work hard. It also influences their decision to stay with a company.
New Year 2015 Predictions; Pension Industrysanlamuk
Elliott Silk, Head of Employee Benefits at Sanlam said:
Potential new pension scams. Pension liberation means that after April 2015, more over 55’s will be accessing their pension cash and there is the potential for us to see a wave of new fraudulent scams. We have already experienced the dangers of ‘pension liberation’ companies which are set up to dupe people into accessing their pension with devastating financial effects. We expect to see a new wave of corrupt boiler room scammers using high pressure telephone sale techniques to target the 55’s and over. They will promise high returns in exchange for cash from small pension pots, promising to invest in non-existent structures such as ‘Eastern European property ventures’.
State of the States: An Analysis of the 2015 Governors’ AddressesALEC
State of the States is an in-depth study of governors’ tax, budget and pension reform proposals. The report gives insight into which states proposed economic reform to protect taxpayers and which states took steps toward increasing state revenue. This report also features graphics that reveal regional trends in proposed reforms while also highlighting which states have a newly elected governor.
•The current auto-enrolment market place
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•Fees for services
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Statement of witness on issues faced by mr. stampIain Stamp
Prior to its liquidation, Integrity operated a successful IFA business with a client bank primarily built by referrals from accountants and lawyers. Integrity specialised in holistic financial planning for high net worth individuals and business owners. Mr. Iain Clifford Stamp has been facing business as well as financial setbacks due to matters relating to him, Stargate Capital Management (SCM), UK Innovative TI (UKITI) and Integrity Financial Solutions (Integrity) for almost a decade.
According to this statement of witness, Mr. Stamp asserts that the FSA/FCA (Financial Services Authority/Financial Conduct Authority) launched a campaign of persecution against him both before and after creditors' voluntary liquidation of Integrity Financial Solutions in 2009. The FSA/FCA persecution is deliberate and has prevented him from operating as an approved person within the financial services markets since 2009. However, he has never been deemed unfit and he is unaware of any reason why he should not have been granted approved person status in the five separate applications sent to the FSA/FCA since 2009. He also asserts that the FSA/FCA has deliberately constructed a framework that excludes him from working with other regulated firms through FSA/FCA unnecessary investigations and persecution meant to further harm his unregulated businesses and ultimately his own personal resources.
Mr. Stamp believes that the FSA/FCA has maintained a complicit relationship with Halifax Bank of Scotland that are central to the cause of the deliberate strategy employed by the FSA to force him into putting Integrity into creditors voluntary liquidation. Another example of FSA persecution against him is evident from FSA's investigation into IPM following a letter from its MP in 2010. According to Mr. Stamp's statement, the FCA has acted in bad faith by publishing speculations in an SCM First Supervisory Notice that names UKITI and its director (which is none other than Mr. Stamp) by stating that UKITI may have breached the General Prohibition. SCM and Mr. Stamp strongly deny this.
Work Opportunity Tax Credit - Planning for the future Debera Salam, CPP
See how businesses can help employees rejoin the workforce while lowering their federal income tax liability. In this deck we explore the legislative future of the Work Opportunity Tax Credit (WOTC), which WOTC hiring tax credits are the most popular, and how technology can enhance the overall effectiveness of the program.
3.0 Project 2_ Developing My Brand Identity Kit.pptxtanyjahb
A personal brand exploration presentation summarizes an individual's unique qualities and goals, covering strengths, values, passions, and target audience. It helps individuals understand what makes them stand out, their desired image, and how they aim to achieve it.
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Sustainability has become an increasingly critical topic as the world recognizes the need to protect our planet and its resources for future generations. Sustainability means meeting our current needs without compromising the ability of future generations to meet theirs. It involves long-term planning and consideration of the consequences of our actions. The goal is to create strategies that ensure the long-term viability of People, Planet, and Profit.
Leading companies such as Nike, Toyota, and Siemens are prioritizing sustainable innovation in their business models, setting an example for others to follow. In this Sustainability training presentation, you will learn key concepts, principles, and practices of sustainability applicable across industries. This training aims to create awareness and educate employees, senior executives, consultants, and other key stakeholders, including investors, policymakers, and supply chain partners, on the importance and implementation of sustainability.
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1. Develop a comprehensive understanding of the fundamental principles and concepts that form the foundation of sustainability within corporate environments.
2. Explore the sustainability implementation model, focusing on effective measures and reporting strategies to track and communicate sustainability efforts.
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To download the complete presentation, visit: https://www.oeconsulting.com.sg/training-presentations
Business Valuation Principles for EntrepreneursBen Wann
This insightful presentation is designed to equip entrepreneurs with the essential knowledge and tools needed to accurately value their businesses. Understanding business valuation is crucial for making informed decisions, whether you're seeking investment, planning to sell, or simply want to gauge your company's worth.
Digital Transformation and IT Strategy Toolkit and TemplatesAurelien Domont, MBA
This Digital Transformation and IT Strategy Toolkit was created by ex-McKinsey, Deloitte and BCG Management Consultants, after more than 5,000 hours of work. It is considered the world's best & most comprehensive Digital Transformation and IT Strategy Toolkit. It includes all the Frameworks, Best Practices & Templates required to successfully undertake the Digital Transformation of your organization and define a robust IT Strategy.
Editable Toolkit to help you reuse our content: 700 Powerpoint slides | 35 Excel sheets | 84 minutes of Video training
This PowerPoint presentation is only a small preview of our Toolkits. For more details, visit www.domontconsulting.com
The world of search engine optimization (SEO) is buzzing with discussions after Google confirmed that around 2,500 leaked internal documents related to its Search feature are indeed authentic. The revelation has sparked significant concerns within the SEO community. The leaked documents were initially reported by SEO experts Rand Fishkin and Mike King, igniting widespread analysis and discourse. For More Info:- https://news.arihantwebtech.com/search-disrupted-googles-leaked-documents-rock-the-seo-world/
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What are the main advantages of using HR recruiter services.pdfHumanResourceDimensi1
HR recruiter services offer top talents to companies according to their specific needs. They handle all recruitment tasks from job posting to onboarding and help companies concentrate on their business growth. With their expertise and years of experience, they streamline the hiring process and save time and resources for the company.
RMD24 | Debunking the non-endemic revenue myth Marvin Vacquier Droop | First ...BBPMedia1
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Retail media wordt gezien als het nieuwe advertising-medium en ook mediabureaus richten massaal retail media-afdelingen op. Merken die niet in de betreffende winkel liggen staan ook nog niet in de rij om op de retail media netwerken te adverteren. Marvin belicht de uitdagingen die er zijn om echt aansluiting te vinden op die markt van non-endemic advertising.
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As an Army veteran dedicated to lifelong learning, I bring a disciplined, strategic mindset to my pursuits. I am constantly expanding my knowledge to innovate and lead effectively. My journey is driven by a commitment to excellence, and to make a meaningful impact in the world.
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LA HUG - Video Testimonials with Chynna Morgan - June 2024Lital Barkan
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2. The top six risks…
Fraudulent Investment schemes Unexpected tax bills Giving up Final Salary guarantees
Pots running out too soon Investment not meeting expectation Overestimating state benefits
3. Message from Australia
Source - http://www.thisismoney.co.uk/money/pensions/article-2696204/Australian-government-
considers-copying-UKs-pension-system.html#ixzz3PSSYs7gR
25%
of people have
depleted their
assets by age
70 in Australia
4. Webb… again…
“[Retired] people who have
worked hard and built up a
pension pot should be given the
freedom to do what they want
with it, rather than have the
government tell them how to
spend their own money."
Steve Webb
Source - http://www.bbc.co.uk/news/uk-politics-30670639
5. Flat rate pension
of new pensioners will be entitled to the full, new, flat-rate state pension in the first five years of the system
Source - http://www.bbc.co.uk/news/business-30777166
7. Challenges in 2015
Image source -
http://www.professionalpensions.com/professional-
pensions/news/2382923/communicating-budget-flexibility-is-
biggest-challenge-for-dc-trustees-in-2015
What are the biggest
challenges facing DC
trustees in 2015?
(ranked in order of
significance)
Others
Increasing participation
Increasing contributions
Complying with the charge cap
Developing in-scheme
Drawdown options
Meeting DWP
governance standards
Diversifying Default funds
Giving members access to Budget flexibilities
Communicating Budget flexibilities
0 100 200 300 400 500 600
10. Pension Wise – Off to the Citizens Advice Bureau…
Source - http://www.bbc.co.uk/news/business-30777166
Source - The Financial Times Limited 2015
The Pensions Regulator
“The Financial Conduct
Authority has given the
industry just 10 weeks to
comply with rules that are yet to
be published”
The Industry
“I think they are starting to
panic about what’s going to
happen in April”
Malcolm McLean
Politicians
“We remain extremely
concerned about the
inadequate preparations
by government”
Other political parties
Or TPAS?
14. Print and face to face communication
We asked 1,131 employees
“Which method of communication was most beneficial to you?”
One-to-one meeting – 66.97%
Group presentation – 31.19%
16. IGCs explained
• Act in the interest of relevant members.
• Assess whether value for money is being delivered.
• Raise concerns to the provider’s board if products are not
delivering value for money.
• Escalate concerns to the FCA and alert members and
employers.
• Produce an annual report of its findings.
Further information - http://www.fca.org.uk/news/cp14-16
22. Important information
THIS DOCUMENT IS CONFIDENTIAL and intended solely for the use of the individual to whom it is addressed or any other recipient expressly authorised by
Johnson Fleming Limited, in writing or otherwise, to receive the same. If you are not the addressee or authorised recipient of this document, any disclosure,
reproduction, copying, distribution, or other dissemination or use of this communication is strictly prohibited.
Past performance is not a guide to the future. Potential for profit is accompanied by the possibility of loss. The value of investment funds and the income from
them may go down as well as up and investors may not get back the original amount invested.
The content of this presentation is for information purposes, it does not represent personal financial advice and is not recommendation that contributions
to the Group Personal Pension Plan will meet all of your future financial requirements for retirement.
If you have any doubts as to whether the content of this presentation meets your personal needs you should seek financial advice. Johnson Fleming
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