Panacea Podcasts

Listen to the latest commentary Podcasts from Panacea Adviser ceo Derek Bradley.

Panacea Adviser on Retirement Choices: The UK’s First Virtual Financial Services Conference

Panacea Adviser on Retirement Choices: The UK’s First Virtual Financial Services Conference
Mar 17, 2016
MPAF82 – Panacea Adviser on Retirement Choices: The UK’s First Virtual Financial Services Conference

What do the FOS, Schools and NHS have in common?

What do the FOS, Schools and NHS have in common?
Jan 8, 2015
Well, if recent reports and our survey results last year are to believed the common ground is that people lie to gain advantages that are not theirs to have.

fca attempts to regulate the internet

fca attempts to regulate the internet
Aug 11, 2014
The FCA has produced a consultation paper regarding its intent to impose rules on firms use of social media and customer communications.

phew wotta scorcher

phew wotta scorcher
Jul 22, 2014
Well, UKplc has plumbed new depths regarding taking responsibility for your own actions with assessments made by the Health and Safety 'Stasi' Public Health England to keep people 'safe'. This quango’s top ten tips include advising people to keep cool by drinking 'lots of cool drinks'.

hospitality or inducement. summer feeding frenzy, but not for you or i

hospitality or inducement. summer feeding frenzy, but not for you or i
Jul 9, 2014
Summer in UK.plc can be fantastic when the weather is good. And with summer we see the season slowly start with the Derby, Royal Ascot, Queen’s Club tennis, Glastonbury and ending with an orgasmic weekend rush of Henley regatta, Wimbledon finals, the British Grand Prix and Le Tour with some post coital inhaling of fresh air at Cowes Week in August.

Take that

Take that
May 13, 2014
Who’s been a naughty boy then? Gary Barlow is the latest potential gong returnee joining an ever lengthening line of celebrity ‘victims’ being hung out to dry for ‘sins various’, all determined by a baying social media fuelled mob and on this occasion under the direction of one Margaret Hodge MP, that self proclaimed leader of the tax paying great and the good.

the communist state is alive and well in canary wharf

the communist state is alive and well in canary wharf
May 2, 2014
regulatory comment for financial advisers the communist state is alive and well in canary wharf 2 May 2014 The new rules for mortgages have arrived and already we are hearing examples of the problems it is causing and undoubtedly will continue to cause until the Polit bureau in Canary Wharf

traffic wardens, investment bankers and easy targets

traffic wardens, investment bankers and easy targets
Feb 11, 2014
I drove into London last month, fed up with the journey by train (door to my City meetings takes some two and a half hours) to travel just under forty miles.

The waterbed effect

The waterbed effect
Jan 21, 2014
The Waterbed effect is a phenomenon that should increasingly cause concern to those who regulate the industry and those it regulates in regard to pricing and the detriment the post RDR world has wrought upon the intended beneficiary- the consumer.

Wheatley is pleading the 'fifth'

Wheatley is pleading the 'fifth'
Jan 14, 2014
In the constitution of the United States when a suspect invokes his or her Fifth Amendment right to remain silent, this is referred to in the vernacular as "pleading the Fifth."

A nice little earner Terry

A nice little earner Terry
Dec 6, 2013
The FCA budget for 2013 was £432.1m with adviser contributions being £41.9m for this financial year, for the sector covering investment intermediaries who hold client assets they will be £45.3m.

MAS now grooming complaints?

MAS now grooming complaints?
Dec 2, 2013
Advisers, and others who fund the Money Advice Service will not be best pleased.

please, please please stop

please, please please stop
Oct 22, 2013
There is a marvelous moment in “Blackadder goes Forth” where Capt. Blackadder, getting rather irritated by the lack of humour that he finds in Charlie Chaplin movies dictates a telegram for ‘Bob’ to send to Mr. Chaplin.

Get well soon

Get well soon
Oct 17, 2013
"Sir Hector Sants is taking a leave of absence from Barclays due to exhaustion and stress and is expected to return in the New Year".

fca, asleep at the wheel or just showing off

fca, asleep at the wheel or just showing off
Oct 7, 2013
Will the removal of trail commission have a negative effect upon your business? If our current snap shot poll is correct, as at 10.30pm on 8th October 93% of the hundreds that have responded say it will be catastrophic.



Money for nothing and your cheques for free

Money for nothing and your cheques for free
Sep 25, 2013
The just published FCA thematic review on ‘Inducements and Conflicts of Interest’, a result of last year’s Dear CEO letters”, does a lot to recognise that in the RDR world, support that networks and national advisers first requested many years ago, expected, then demanded and got from providers, is no longer compatible with the RDR ethos.

Named and shamed

Named and shamed
Aug 7, 2013
Listening to recent reports, we hear that unless surgeons and consultants make public the ‘death rate’ results of their labours, they will be named and shamed.

Stupid is as stupid does

Stupid is as stupid does
Jul 24, 2013
So if the Daily Mail is to be believed, the banks are about to embark on another compensation round, this time in relation to card fraud protection insurance.

Mr. Creosote regrets...

Mr. Creosote regrets...
Jul 9, 2013
We hear that ESMA (The European Securities and Markets Authority) the euro regulator, is looking to increase their “Mr. Creosote” dietary intake of cash.

Only 10 Percent?

Only 10 Percent?
Jun 14, 2013
I read with a mixture of incredulity and despair that discussions regarding ways to put an end to PPI claims have broken down with no positive ‘outcome’ for those consumers miss-sold PPI.

When America sneezes

When America sneezes
Jun 4, 2013
If ever there was an example of a sneeze in America resulting in flu in the UK, this is it. Only on this occasion nobody has an excuse for not knowing the sneeze has happened.

How much is that website in the window, the one with the bright shiny logo

How much is that website in the window, the one with the bright shiny logo
May 31, 2013
Andrew Power, partner at Deloitte, was recently on record as saying that “increasing regulation and its associated cost will certainly exacerbate the trend that sees advisers dealing with wealthier and wealthier clients as they need a certain weight of assets to get an income flow”. He is also of the view that “there may also be a back-lash against regulation”.

A clear and present danger but for who and in what form

A clear and present danger but for who and in what form
May 21, 2013
When I was a kid (very many years ago, but yes I was a kid once) the 1950’s was a very different world to the one we see today. As was the sixties in my teen years- I must have been there too as I “cannot remember it” as the saying goes!

The Highland Clearances revisited

The Highland Clearances revisited
Apr 29, 2013
Please forgive me for seeing some similarities between the recently discovered post RDR adviser number fallout, the pre RDR divisions of the anti and pro RDR lobbies, the so called silence of networks, AIFA (APFA) and the Highland Clearances.

London woman names daughter 'Hashtag'

London woman names daughter 'Hashtag'
Apr 16, 2013
When I read this I was speechless, and frankly, this headline taught me that you can never, ever predict the strange things people will do.

Where's your glasses ref?

Where's your glasses ref?
Apr 16, 2013
I was listening with some interest to radio and TV reports concerning the state of sport in UK schools. It would appear that a recent survey has suggested that 75% of schoolchildren would cheat at sport if it meant they or their team would win.

Mine's Bigger Than Yours!

Mine's Bigger Than Yours!
Apr 4, 2013
It was reported a week or so ago that IFA network Best Practice has raised the bar for its would-be members, requiring them to be QCF level 6 qualified.

Noel Coward was a charmer

Noel Coward was a charmer
Mar 4, 2013
For those of you familiar with the punk genre, the lyrics of Ian Dury can throw up some interesting inspiration.