UK - Neptune Investment Management has appointed Graham Nicklin as regional sales director for the Midlands and West region.
He will report to Robin Geffen, managing director, chief investment officer and founder of Neptune. Nicklin joins the firm from Exeter Fund Managers where he spent 9 years as associate director in sales for the Central and South West regions.
Females can expect to live a greater number of years in poor health than males, according to data from the Office for National Statistics (ONS) for 2015 to 2017.
Scottish higher-rate taxpayers will benefit from more pensions tax relief than workers on the same salary anywhere else in the UK as income tax bands continue to diverge.
Schemes risk breaking the law and being forced to wind up as The Pensions Regulator (TPR) warns some may be master trusts but do not know so.
As a hectic 2018 draws to an end, Jonathan Stapleton wishes readers a quieter 2019.