Reverse Ramsay

If you give your clients any advice at all on tax, even if only to mention tax favourable investments such as pensions and ISAs, I am sure you have come across the “Ramsay Principle”.  This principle requires a court to look at the final effect of a series of steps...

Cold Calling

Is it legal for a financial adviser practice to cold call in order to find new clients?     This is a question I am frequently asked by advisers wanting to expand their practice. I suspect that many other advisers do not ask the question as they think they already...