Simoney Kyriakou

Stocks and shares Isas outperform cash Isas for third year The average stocks and shares Isa grew by around 11 per cent in the past year, compared with a 3.4 per cent return from cash Isas, figures from Moneyfacts show.

Stocks and shares Isas outperform cash Isas for third year
https://www.ftadviser.com/content/9b2343e6-f9f5-4f6b-b137-8dd371d08341

Long-term thinking needed for any Budget reforms Government borrowing is the highest since 2020, according to the Office for National Statistics.

www.ftadviser.com/budget/2025/... Article by me for @ftadviser.com @moorgatemermaid.bsky.social - Chancellor -don't just 'firefight' but plan for the years, decades and even the century ahead - pensions is an 80 year project-not 'a back of an envelope' Budget gimmick.

Is there a future for AI in mental health solutions? The headlines are stark: ‘There are no guardrails.’

Op-ed: There is a world of difference between AI that is designed for mental health care, and that which is not.

For @ftadviser.com

www.ftadviser.com/artificial-i...

CFA: AI decision-making must be transparent The lack of artificial intelligence explainability can lead to misinformed decisions and financial losses, according to a CFA Institute report.

CFA: AI decision-making must be transparent
https://www.ftadviser.com/artificial-intelligence/2025/9/15/cfa-ai-decision-making-must-be-transparent/

State pension likely rise by 4.7% The state pension is likely to increase by 4.7 per cent in April 2026, taking it to £12,535 per year.

State pension likely rise by 4.7%
https://www.ftadviser.com/triple-lock/2025/9/16/state-pension-likely-rise-by-4-7-/

Partners Wealth Management buys Surrey-based firm Partners Wealth Management has bought Surrey-based Navigate Capital Management which will now form part of the PWM brand.

Partners Wealth Management buys Surrey-based firm
https://www.ftadviser.com/mergers-acquisitions/2025/7/8/partners-wealth-management-buys-surrey-based-firm/

a woman sitting at a desk with the words it was all for nothing below her ALT: a woman sitting at a desk with the words it was all for nothing below her

Just read a press release that says: "1 in 5 people in Britain will die before retirement."

Welp.

NFU Mutual U-turns on farmer’s claim after MP intervenes Northern Ireland dairy farmer Gary McConnell has said he is ‘done’ with specialist insurer

What happens when you're a farmer making a claim for storm damages, and instead of getting the £55,000 the insurer says it's worth, you only get £18,000?

Read our exclusive here from Chris McCulloch for @ftadviser.com

www.ftadviser.com/protection/2...

You don't read FT Adviser much then...

Paula Radcliffe: ‘Illness and accidents aren’t something we can prepare for’ Paula Radcliffe MBE has teamed up with MetLife to encourage UK parents to understand the importance of insuring themselves and their families.

Read our story quoting #PaulaRadcliffe here:

The multiple gold-medal winner and record-setter in marathons across the globe, explains how she knows all too well the hard choices parents have to make in taking on additional caring responsibilities.

www.ftadviser.com/critical-ill...

Fairstone CEO and founder to take step back Fairstone’s CEO Lee Hartley said it is “the right time” to take a step back, 18 years after founding the firm.

Fairstone CEO and founder to take step back
https://www.ftadviser.com/fairstone-group-ltd-/2025/7/1/fairstone-ceo-and-founder-to-take-step-back/

This is seriously life goals - achievable, if depressing!

#lbgtqiarights

What’s driving the rise in Section 166 reviews in consumer investments? Section 166 reviews are becoming more common, not just in the consumer space but across the board.

Rather than waiting for things to go wrong and launching enforcement actions, section 166s can be used as a tool by the FCA to step in earlier.

www.ftadviser.com/regulation/2...

Thanks for posting and for your continued support. We love your thoughtful editorials x

FT Adviser readers: ‘Overbearing’ regulation causing advice gap ‘Overbearing’ regulation has caused the advice gap, according to FT Adviser readers.

"It is really difficult to engage people on a digital journey, which will follow the processes to meet regulation unless you really focus on how to get people engaged with it"

@alina_khan2001 for @FTAdviser

www.ftadviser.com/advice-guida...

FCA to lift ban on offering crypto ETNs to retail investors The Financial Conduct Authority is proposing to lift the ban on offering crypto exchange traded notes (cETNs) to retail investors.

The regulator said financial promotion rules would apply so consumers get information on the risks and would not be offered inappropriate incentives to invest, in the same way as if they bought cryptoassets directly.

#crypto #investing

www.ftadviser.com/cryptofinanc...

How empathy can help advisers hold tough conversations with clients “It’s important for advisers to have empathy - with boundaries”, according to corporate activist Belinda Parmar OBE.

“It’s important for advisers to have empathy - with boundaries”, according to Belinda Parmar OBE

Why is it so important? And what is meant by 'boundaries'? speaks with the @ftadviser.com #podcast about what #empathy really means (hint: it's not sympathy).

www.ftadviser.com/vulnerable-c...?

‘Special needs financial planning isn’t a small, niche market’ Special needs planning is less niche than people think and there are specific ways to navigate the conversation in a sensitive manner, according to Rhiannon Gogh, director at Planlt Future Financial.

Financial adviser Rhiannon Gogh @PlanItFinancial has said the four Ps are core to ensuring a vulnerable client’s needs are fully met: provide, protect, prepare and put.

Read @FTAdviser's report below: ⬇️ 👇

www.ftadviser.com/vulnerable-c...

Calling advisers - the Women’s Wealth Alliance needs you! Women in UK financial services - the newly formed Women’s Wealth Alliance needs you!

The Women's Wealth Alliance, a working group of the Consumer Duty Alliance, has launched a wide-ranging study to understand the pathways, opportunities and barriers to #women in UK financial services.

Take the YouGov survey - links in the copy.

www.ftadviser.com/womens-wealt...

Dementia - what action can we take? How aware are you of the different ‘awareness’ months in May?

There’s a ‘walk to school week’, an ‘idling #awareness day’ and others. It's also #Zombie Month!

More important than most, as Peter Hamilton would argue, is this week’s #Dementia Action Week.

Read his op-ed for @ftadviser.com here - see below ⬇️ 👇 for the link 🔗 :

www.ftadviser.com/work-and-wel...

Only 2 per cent of investors sought advice in turbulent market Investors are turning to platforms over fund managers in turbulent economic times, a report from Boring Money found.

Only 2 per cent of investors sought advice in turbulent market
https://www.ftadviser.com/markets/2025/5/22/only-2-per-cent-of-investors-sought-advice-in-turbulent-market/

Not sure why I bothered chewing through the leather straps today:
- Despite repeat emails to a PR, had no idea when I got my train where a meeting scheduled 1st thing would be held.
- Lost all my credit cards & my 1997 Boots card
- Ran platform length; dress ran up length of leg, exposing shorts.

Interest rates are falling ‘too fast’ says BoE chief economist The Bank of England’s chief economist believes interest rates are falling too fast.

Interest rates are falling ‘too fast’ says BoE chief economist
https://www.ftadviser.com/monetary-policy-committee-uk/2025/5/21/interest-rates-are-falling-too-fast-says-boe-chief-economist/

If you wanted the pension system to invest £50bn more in the economy, wouldnt it be far easier for the government to achieve that through the LGPS, rather than through default DC funds? Or am I missing something really obvious?

Mr MoneyJar: ‘Black wealth is like a start-up; the opportunities to build are big’ Black individuals as a demographic are like start-up companies, with the trajectory to build wealth on the rise, according to Rotimi Merriman-Johnson, financial adviser and content creator.

“If you’re British African, you belong to one of the youngest populations in the country. Black people as a demographic, we’re almost like start-up companies: the trajectory is good, we have a growing middle class & we are building wealth,” @mrmoneyjar

www.ftadviser.com/diversity-in...

Two PFS board members resign due to ‘culture and structure concerns’ The Personal Financial Society has seen two members resign from its board amid concerns over the culture and current structure.

Two PFS board members resign due to ‘culture and structure concerns’
https://www.ftadviser.com/personal-finance-society/2025/5/19/two-pfs-board-members-resign-due-to-culture-and-structure-concerns/

Two PFS board members resign due to ‘culture and structure concerns’ The Personal Financial Society has seen two members resign from its board amid concerns over the culture and current structure.

The Personal Financial Society has seen two members resign from its board amid concerns over the culture and current structure.

Read @sonia_rach's piece for @FTAdviser to find out who and why:

www.ftadviser.com/personal-fin...

Care costs are only one side of the problem - the other side is the lack of decent LHA and NHS care; older folk are kept in hospital waiting for care/accommodation, keeping beds 'blocked'; there is a lack of locum carers...

Are you in insurance? Is this an issue that you have seen coming around the corner?