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The Tenet Blog

Tenet and guest bloggers share their views and experience on a range of topical issues

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What solutions are there for the self-employed?

By Liza Campion, Head of Corporate Accounts | 19 May 2021

SUMMARY: Head of Corporate Accounts at Precise Mortgages, Liza Campion highlights the importance of understanding the self-employed market and the lenders that can support you and your customers.

Preventing delays to estate planning

By Jessica Franks, Head of Tax Products | 07 April 2021

SUMMARY: Research from Octopus Investments reveals an unprecedented number of clients have delayed financial decisions. How can you help clients start their estate planning sooner rather than later?

Digital healthcare – is widespread change afoot?

By Steve Bryan, Director of Distribution & Marketing | 01 April 2021

SUMMARY: Steve Bryan, Director of Distribution & Marketing at The Exeter looks at whether we could see a marked change in how we access medical services post-Coronavirus, and how The Exeter has started to see a change in behaviour from members.

Market Monitor - 26 March 2021

By Mark King, Head of Investment Content | 30 March 2021

SUMMARY: Guest blogger Mark King, Head of Investment Content at Columbia Threadneedle highlights how new waves of infections in the European Union in particular are giving investors pause for thought.

ESG investing - heading for the mainstream

By Adam Rawling, Investment Analyst | 30 March 2021

SUMMARY: Guest blogger Adam Rawling from Tatton Investment Management highlights how investors and businesses alike will find it more difficult to ignore ESG investing, especially as it becomes less niche.

Broadening our themes

By David Jane, Fund Manager | 29 March 2021

SUMMARY: In 2020, stock market performance was driven by a small number of themes, such as the digital economy. David Jane, Fund Manager for Premier Miton’s macro thematic, multi asset funds, explains why it is essential to broaden thematic exposure into other areas as we move forward into the recovery phase in 2021.

Using a Whole of Life plan when inheritance tax planning

By Ian Smart, Product Architect | 18 March 2021

SUMMARY: Guest blogger Ian Smart, Product Architect at Royal London highlights how when thinking about inheritance tax planning, one of the simplest things to do is put a Whole of Life plan in place to provide the funds to pay this after your client’s death.

The four “M”s: why the 21st Century belongs to Asia

By Viswanathan Parameswar, Schroders Head of Investments Asia | 18 March 2021

SUMMARY: Schroders Head of Investments Asia, Schroders Head of Investments Asia, Viswanathan Parameswar, on the four Ms and why the 21st century belongs to Asia.

Baidu - from contrarian to popular

By Charles Bond | 18 March 2021

SUMMARY: Charles Bond, an Asian and Emerging Markets Equities Fund Manager, highlights a good example of a Chinese internet stock, Baidu, which has moved from being a contrarian investment to a very sought after stock.

Budget 2021

By Jo Rigby, Technical Director | 10 March 2021

SUMMARY: Following the Chancellor’s Budget update on 3rd March, Jo Rigby, Tenet’s Technical Director summarises the key updates from Rishi Sunak’s statement.

Why brokers should feel confident about new opportunities in 2021

By Liza Campion | 01 February 2021

SUMMARY: Guest blogger, Liza Campion of Precise Mortgages explains why she is confidently optimistic about 2021 and why she encourages you to be the same.

Buying more certainty with bridging finance…

By Claire Kotzé | 17 August 2020

SUMMARY: Claire Kotzé, Specialist Lending and Events Manager at Market Harborough Building Society explains how bridging finance could be your clients' best option to buy their new home or raise capital during the current climate.

How you could help your self-employed clients get onto the property ladder

By Nathan Goodridge | 11 August 2020

SUMMARY: Nathan Goodridge, National Account Manager at Kent Reliance for Intermediaries discusses how brokers can help their self-employed customers access lending in the current climate.

How to help limited company landlords enjoy a different kind of holiday this year

By Liza Campion | 03 August 2020

SUMMARY: Liza Campion, Head of Key Accounts at Precise Mortgages discusses the recently announced Stamp Duty holiday and the opportunities which have arisen for limited company landlords and those who’ve been thinking of incorporating their buy to let business.

Is the stock market rebound overdone?

By Keith Speck | 28 July 2020

SUMMARY: Portfolio Specialist at Morningstar Investment Management Europe, Keith Speck, looks at some of the commonly asked questions from investors in light of the pandemic and why the answers are not always so clear cut.

Coronavirus: Has it made us finally realise the value of our health?

By Paul Mills | 22 July 2020

SUMMARY: Paul Mills, Director at 4C Platform, looks at one of the possible upsides of the pandemic, in our latest guest blog.

The opportunity behind the contingent charging ban

By David Lloyd | 29 June 2020

SUMMARY: Tenet's Technical Services & Research Team Leader, David Lloyd, outlines the positives in relation to the ban on contingent charging, with the opportunity for advisers to review their advice process and potentially move to an even higher level of professionalism.

Reasons to be optimistic

By Caroline Mirakian | 22 June 2020

SUMMARY: Caroline Mirakian, Head of National Accounts at PepperMoneyUK, reflects on how her role has changed during the COVID-19 crisis, and reveals some reasons to be optimistic for brokers and lenders as the mortgage market continues to resume.

2020 - a sea of unknowns

By Hannah Withers | 11 June 2020

SUMMARY: National Account Manager at TSB Mortgage Intermediaries, Hannah Withers, looks at the short-term and possible longer-term impacts of the pandemic on the home buying industry.

Asset allocation update: our thoughts on the world today

By Maya Bhandari & Felicity Long | 03 June 2020

SUMMARY: Columbia Threadneedle Investments' Portfolio Manager, Maya Bhandari and Client Portfolio Manager, Felicity Long discuss changes to asset allocation, look at what’s next for asset markets and ask whether governments and central banks around the world are doing enough?

How we're here to support you

By Andrea Roberts | 22 May 2020

SUMMARY: Principality's Key Account Manager, Andrea Roberts, talks about the way we've had to adapt challenging working environment, how we've supported our brokers and members and the key insights we've discovered in her latest blog.

Paymentshield's Remortgage Proposition

By Brian Coulton | 22 May 2020

SUMMARY: Brian Coulton, National Account Manager for Paymentshield, looks at the remortgage opportunity that has arisen during the current COVID-19 crisis and some tools that you can use to help navigate your GI conversation in his latest blog.

Talking money with the family: the art of the difficult conversation

By Hodge | 21 May 2020

SUMMARY: To better understand how people’ attitudes towards finances evolve across the generations, Hodge interviewed over 3,000 people prior to Covid-19 – and this is what they found.

Dividend bear markets: the grizzly facts

By Duncan Lamont | 21 May 2020

SUMMARY: Dividends are expected to be slashed by 25% to 50% across the globe this year compared with 2019. This been an unwelcome (if not entirely unexpected) development for income investors, so what can they expect next?

The UK housing market back in business

By Simon Broadley | 19 May 2020

SUMMARY: TenetLime's Managing Director Simon Broadley, discusses the housing markets first steps back to normality and what could lie ahead.

How we've adapted to help support advisers during the global pandemic

By Al Ward | 18 May 2020

SUMMARY: As all of us deal in our own way with the UK lockdown, Al Ward, Head of Elevate Proposition, explains how we've adjusted to new ways of working very quickly and how Standard Life's platforms have adapted to meet advisers' needs too.

Blackfinch launches #ISOLATIONINTERN platform to help startups recruit specialist talent

By Richard Cook | 14 May 2020

SUMMARY: Blackfinch Group has launched a new partnership initiative with investment and venture capital firms and universities allowing startups to enlist the UK’s brightest students and researchers to work from home.

Business as (un)usual

By Steve Griffiths | 12 May 2020

SUMMARY: Steve Griffiths, Sales Director at The Mortgage Lender talks about the specialist BTL market in these "Busines as (un)usual" times.

We are in this together

By Craig McKinlay | 11 May 2020

SUMMARY: As the market adapts to change, Kensington's New Business Director Craig McKinlay has shared his thoughts on the 'new normality' that will emerge post lockdown.

Positioning clients' portfolios for a recovery

By Mark Baldwin | 06 May 2020

SUMMARY: Mark Baldwin, Distribution Director at VitalityInvest, looks at how advisers can steer their clients back to the prosperity they enjoyed before the recent market falls.

COVID19 - the equity release reaction

By Craig Kerrigan | 04 May 2020

SUMMARY: Craig Kerrigan, National Account Manager for Key Group, talks about the group's reaction to COVID-19 and the support they have made available for advisers and their clients.

Ending lockdown through trial and error

By Lothar Mentel | 30 April 2020

SUMMARY: Lothar Mentel, CEO and chief investment officer at Tatton Investment Management looks at ‘trial and error’ national approaches to ending the strictest lockdown constraints.

Do your clients have protection cover in place?

By Jo Rigby | 28 April 2020

SUMMARY: Tenet's Head of Technical Services & Research Jo Rigby, highlights the need to check that your clients have the right cover in place, particularly during this time of uncertainty.

Support for our brokers and advisers - we all have a job to do

By Carl Stacey | 27 April 2020

SUMMARY: Carl Stacey, Head of Distribution at Assurant Intermediary, talks about the vital role that advisers and brokers have to play to ensure that their customers are protected in the current crisis.

Digesting the broader economic and market impacts of Coronavirus

By Mark Riggall | 23 April 2020

SUMMARY: Guest blogger, Head of Client Portfolio Management at Prudential's Treasury and Investment Office, Mark Riggall talks about the broader economic and market impacts of Coronavirus.

Who will pay?

By Gilles Moëc | 22 April 2020

SUMMARY: Guest blogger, AXA Group Chief Economist, Gilles Moëc, outlines the impact of 'lockdowns' on activity.

Your country needs you(r investment)

By Andrew Aldridge | 20 April 2020

SUMMARY: Head of Marketing at Deepbridge Capital, Andrew Aldridge, outlines why the innovative sectors supported by the Enterprise Investment Scheme need advisers' support.

A new working environment

By Jeremy Duncombe | 16 April 2020

SUMMARY: Jeremy Duncombe, Director of Intermediary Distribution at Accord Mortgages, explores how we can adapt and what help is available.

Maintaining your business through a crisis

By Ben Wright | 08 April 2020

SUMMARY: Tenet's Business Development Director on how to make the most out of working from home and maintaining business as usual during this period of change.

Data Protection Compliance and COVID-19

By Claire Gilbertson | 06 April 2020

SUMMARY: Tenet's In-House Counsel and Privacy Officer, Claire Gilbertson, offers some useful pointers in our latest blog.

Impact of the pandemic on the mortgage market

By Simon Broadley | 02 April 2020

SUMMARY: Our MD of TenetLime, Simon Broadley, talks about the huge changes to the mortgage market, since the UK went into lockdown.

A view from the 2019 Forum

By Mark Scanlon | 11 December 2019

SUMMARY: Chief Executive Mark Scanlon gives an overview of his keynote speech at our recent Adviser Forum.

What does the SMCR mean for directly authorised firms?

By Gillian Weatherill | 25 March 2019

SUMMARY: The SMCR will come into force for directly authorised advisory firms on 9th December 2019, but what does this actually mean for firms? Gillian Weatherill, Tenet's Head of Risk & Policy, outlines some key areas that firms will need to consider in her first blog for Tenet.

Looking at the Mortgage Market Study

By Simon Broadley | 22 February 2019

SUMMARY: TenetLime Managing Director and AMI Board member, Simon Broadley, shares his thoughts on the most significant changes that the FCA’s Mortgage Market Study could bring for brokers.

Five things you need to know about the Insurance Distribution Directive (IDD)

By Simon Thomas | 21 August 2018

The IDD comes into effect from 1st October 2018 and applies to all businesses involved in the insurance supply chain, which includes intermediary firms, product manufacturers and online distribution. In this blog, our Head of Policy, Simon Thomas, outlines five key changes that advisory firms need to be aware of.

Finding your balance with social media

By Philip Hurst | 03 April 2018

Tenet's Philip Hurst (Compliance Helpdesk Officer), shares some tips for getting the most out of social media, whilst remaining within the compliance regulations.

Marketing under the forthcoming General Data Protection Regulation (GDPR)

By Simon Thomas | 22 March 2018

Tenet's Head of Policy, Simon Thomas, shares some examples of the way in which marketing practices will need to change under the forthcoming General Data Protection Regulation.

Snapshot of the Auto Enrolment Landscape

By Andrew Staveley | 28 Dec 2017

Andrew Staveley, Senior Consultant at Tenet Employee Benefit Solutions, gives us a picture of what the auto enrolment landscape looks like, as we head towards the end of the staging timetable in early 2018.

The suitability of platforms in financial advice - four factors to consider

By Ben Wright | 05 Dec 2017

Tenet's Business Development Director, Ben Wright, suggests four key factors that advisers should consider when assessing if a platform is the most suitable solution for a client.

DB Transfers and the importance of managing customers' expectations

By Simon Thomas | 04 Sept 2017

Tenet's Head of Policy, Simon Thomas, looks at what can advisers do to mitigate risk and manage customer expectations in the DB Transfer arena.

Don't let the new capital adequacy rules catch you out

By Martin Greenwood | 10 July 2017

Tenet Chief Executive, Martin Greenwood, warns directly authorised advice firms to take a second look at the new capital adequacy requirements, amid concerns many may have been misled by the £20,000 headline figure.

Use your website like a shop window

By Philip Hurst | 19 April 2017

Make your website work for you: Part of Philip Hurst's role as a Compliance Helpdesk Officer is ensuring adviser websites are compliant. Here he gives a few expert tips on how to make yours as effective as possible.

Lenders finally recognising the value of proc fees

By Gemma Harle | 02 March 2017

In the wake of Santander, Barclays and Nationwide recently confirming they will be paying retention procuration fees, TenetLime managing director, Gemma Harle, underlines their value in the intermediary sector.

How can DA firms get the right PII cover?

By Julian Brincat | 31 January 2017

Following the FCA's recent statement that PII is often not correctly serving our sector, our guest blogger is Julian Brincat, Head of IFA Practice at Protean Risk. Here he looks at how DA firms can obtain the right cover at the right price.

Negotiating the minefield that is PII

By Caroline Bradley | 20 October 2016

Against the backdrop of a hardening market and the increasingly predatory interest of claims management companies, group finance director, Caroline Bradley, provides an insightful overview into professional indemnity insurance (PII).

Auto Enrolment: Small firms generally aware, but under-resourced?

By Mike O'Brien | 06 September 2017

With an estimated 1.3m SMEs now at their staging date and The Pensions Regulator not hesitating to use their formal powers to fine those who don't comply, group brands director, Mike O’Brien, takes a look at the current state of the auto-enrolment market.

Keep calm and carry on!

By Gill Davidson | 18 July 2016

SUMMARY: Amid the mass of Brexit related stories, Group Regulatory Director, Gill Davidson, offers some practical advice on three areas for advisers to consider in the current climate.

Time to embrace the digital revolution?

By Gemma Harle | 16 June 2016

With the rise of 'robo-advice' and the new wave of digital solutions, many consumers who were previously dismissed as unprofitable may be able to access the advice they need.

What to expect from the FCA's review on suitability

By Ron Skinner | 18 May 2016

In these early stages, what do advisers need to know about the FCA's thematic review of suitability and is there any action that firms should be taking? Ron Skinner, Team Manager at TenetSelect, updates us in his latest blog.

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