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<br /> ISSUE 85<br /> SEPTEMBER<br /> 2014<br /> ICAEW.COM/FSF<br /> CHALLENGING GAP IN THE SERVICE WITH<br /> THE REGULATORS MARKET A SMILE<br /> WHY ACCOUNTING THE CASE FOR WHAT FLEXIBILITY<br /> SHOULD MATTER AN INTEREST RATE CAN BRING TO<br /> TO BANKS RISK STANDARD CUSTOMER SERVICE<br /> Decisions, decisions - the alternatives to annuities<br /> SPECIAL EDITION<br /> P L A N FO R<br /> TOMORROW<br /> LIVE MORE<br /> TODAY<br /> THREE YEAR FIXED RATE PROFESSIONAL MORTGAGES<br /> PROVIDED BY SCOTTISH WIDOWS BANK.<br /> With our three year fixed rate Professional Mortgages you'll feel free to enjoy life more today.<br /> As a member of ICAEW you can apply for three year fixed rate Professional Mortgages, exclusively<br /> available to our affinity partners. We also have a range of Professional Mortgages offering a selection of<br /> additional fixed rates and va<a title="FS Focus SEPTEMBER 14 page 1" href="http://viewer.zmags.com/publication/e8e0e13d?page=1"> ISSUE 85 SEPTEMBER 2014 ICAEW.COM/FSF CHALLENG</a> <a title="FS Focus SEPTEMBER 14 page 2" href="http://viewer.zmags.com/publication/e8e0e13d?page=2"> P L A N FO R TOMORROW LIVE MORE TODAY THREE Y</a> <a title="FS Focus SEPTEMBER 14 page 3" href="http://viewer.zmags.com/publication/e8e0e13d?page=3"> Contents Issue 85 September 2014 1120 </a> <a title="FS Focus SEPTEMBER 14 page 4" href="http://viewer.zmags.com/publication/e8e0e13d?page=4"> WELCOME Situation vacant Wanted: profes</a> <a title="FS Focus SEPTEMBER 14 page 5" href="http://viewer.zmags.com/publication/e8e0e13d?page=5"> NEWS & EVENTS Faculty news BENCHMARK RE</a> <a title="FS Focus SEPTEMBER 14 page 6" href="http://viewer.zmags.com/publication/e8e0e13d?page=6"> Events Our autumn and winter programme </a> <a title="FS Focus SEPTEMBER 14 page 7" href="http://viewer.zmags.com/publication/e8e0e13d?page=7"> Access the information you need to succeed New </a> <a title="FS Focus SEPTEMBER 14 page 8" href="http://viewer.zmags.com/publication/e8e0e13d?page=8"> ALTE RNAT IVE VIEW Do bank regulators really k</a> <a title="FS Focus SEPTEMBER 14 page 9" href="http://viewer.zmags.com/publication/e8e0e13d?page=9"> RISK & REGULATION I nterest rate risk is one</a> <a title="FS Focus SEPTEMBER 14 page 10" href="http://viewer.zmags.com/publication/e8e0e13d?page=10"> classic example of this is the failure of more th</a> <a title="FS Focus SEPTEMBER 14 page 11" href="http://viewer.zmags.com/publication/e8e0e13d?page=11"> RISK & REGULATION Going Dutch Dutch-style co</a> <a title="FS Focus SEPTEMBER 14 page 12" href="http://viewer.zmags.com/publication/e8e0e13d?page=12"> SOLVING THE CONUNDRUM 12 </a> <a title="FS Focus SEPTEMBER 14 page 13" href="http://viewer.zmags.com/publication/e8e0e13d?page=13"> T he UK pensions industry is used to glacial chan</a> <a title="FS Focus SEPTEMBER 14 page 14" href="http://viewer.zmags.com/publication/e8e0e13d?page=14"> 12% of corporate defined benefit schem</a> <a title="FS Focus SEPTEMBER 14 page 15" href="http://viewer.zmags.com/publication/e8e0e13d?page=15"> 1.5 million number of lower-paid workers the</a> <a title="FS Focus SEPTEMBER 14 page 16" href="http://viewer.zmags.com/publication/e8e0e13d?page=16"> MASTER TRUSTS: A SAFE FUTURE? Master</a> <a title="FS Focus SEPTEMBER 14 page 17" href="http://viewer.zmags.com/publication/e8e0e13d?page=17"> FINANCIAL PLANNING T rust in the pensions ind</a> <a title="FS Focus SEPTEMBER 14 page 18" href="http://viewer.zmags.com/publication/e8e0e13d?page=18"> WIDENING THE NET Senior managers in the financial</a> <a title="FS Focus SEPTEMBER 14 page 19" href="http://viewer.zmags.com/publication/e8e0e13d?page=19"> FINANCIAL PLANNING ANDREW BAKER / IKON function</a> <a title="FS Focus SEPTEMBER 14 page 20" href="http://viewer.zmags.com/publication/e8e0e13d?page=20"> THE HUMAN TOUCH Customers want to be treated like</a> <a title="FS Focus SEPTEMBER 14 page 21" href="http://viewer.zmags.com/publication/e8e0e13d?page=21"> MANAGEMENT </a> <a title="FS Focus SEPTEMBER 14 page 22" href="http://viewer.zmags.com/publication/e8e0e13d?page=22"> STEP AWAY FROM THE SPREADSHEET Sometimes account</a> <a title="FS Focus SEPTEMBER 14 page 23" href="http://viewer.zmags.com/publication/e8e0e13d?page=23"> AUDIT & REPORTING </a> <a title="FS Focus SEPTEMBER 14 page 24" href="http://viewer.zmags.com/publication/e8e0e13d?page=24"> T he client assets regime was threatened with rad</a> <a title="FS Focus SEPTEMBER 14 page 25" href="http://viewer.zmags.com/publication/e8e0e13d?page=25"> AUDIT & REPORTING In a number of areas the r</a> <a title="FS Focus SEPTEMBER 14 page 26" href="http://viewer.zmags.com/publication/e8e0e13d?page=26"> Unfocused They said it… auto enrolment Little o</a> <a title="FS Focus SEPTEMBER 14 page 27" href="http://viewer.zmags.com/publication/e8e0e13d?page=27"> news and views. economia online has all the news </a> <a title="FS Focus SEPTEMBER 14 page 28" href="http://viewer.zmags.com/publication/e8e0e13d?page=28"> </a>