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Best regards
Zmags
ISSUE 71
MAY
2013
icaew.com/fsf
FS FOCUS
“THEMOVETOADVISERCHARGINGSHOULDMAKEITSIMPLERTOEXPLAINPRODUCTCOSTS”PAGE24
Hazards
ahead?
What the future
holds in a
risk-averse world
Making a diagnosis
Why it's important to
give your company
a culture `health check'
Unlikely partners
The many benefits of
investment outsourcing
Loan rangers
The new payday lender
review and what can
be done about them
THE BRITISH & IRISH LIONS
OFFICIAL TECHNOLOGY PROVIDER
UNLOCK THE POTENTIAL IN YOUR PEOPLE
For 800 years, the City of London Corporation has helped deliver public services to this dynamic
international hub. To keep pace, Deputy Town Clerk Susan Attard chose Microsoft Dynamics to
transform the City of London contact centre, giving her team a complete view of callers and
the ability to quickly res
ISSUE 71 MAY 2013 icaew.com/fsf FS FOCUS “T
THE BRITISH & IRISH LIONS OFFICIAL TECHNOLOGY PRO
Contents Issue 71 May 2013 COVER: ARON VELLEKOOP
WELCOME In bankers we trust? The UK's Parli
NEWS & EVENTS News TOP REGULATOR SPEAKS AT I
Events FEATURED EVENT INSURANCE: THE LONG RO
www.xafinity.com e actly meeting your requiremen
ALTE RNAT IVE VIEW Taking complaints seriou
AUDIT & REPORTING The long
Health check Auditing the culture of an organisat
AUDIT & REPORTING ACCOUNTABLTY II I NNOVATON
ARON VELLEKOOP LEON 12
COVER STORY RISK: SPEED LIMIT APPLIES One day i
QE has removed large amounts of government bonds
COVER STORY Firms need to develop long-term
No more hitting pay dirt? Irresponsible practice
RISK & REGULATION harder to balance their budg
The 20% solution Stuff bank balance sheets with e
RISK & REGULATION example, the authors sp
Survival of the fittest Companies prepared for a
MANAGEMENT ANDREW GROVES/IKON confusing or down
F inancial advisers may feel like they have to de
FINANCIAL PLANNING Some advisers may feel that
EVERY LAST PENNY Pension charges are not as high
FINANCIAL PLANNING In the face of consider
Unfocused They said it... Bitcoin We’re always
EVERY WORD Read economia online, on your iPhone o