Toyosi Lewis
Toyosi is the Pension & Technical Consultant at Timelineapp. His experience is in Financial Services and consulting (“Big-4”). Toyosi has the IMC qualification and is a member of the CFA Society of the UK and the Chartered Insurance Institute. Toyosi is one of our content contributors and is often writing articles on retirement and the sustainable withdrawal framework.
The Defined Benefit Advice Assessment Tool: Reading between the lines
Article
Fri, Feb 5, 2021

The Defined Benefit Advice Assessment Tool: Reading between the lines

Last month the FCA made clear how they assess the suitability of a DB transfer, by making their Defined Benefit Advice Assessment Tool, now widely known by a catchy little acronym of DBAAT, freely available to anyone who wants to have a look at it.
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Demonstrating value for fees
Article
Mon, Jan 25, 2021

Demonstrating value for fees

The value of advice. This is a phrase we are all familiar with. It is on this premise advisers justify the fees they charge clients. And rightly so. Paying for good advice has clear benefits. Wouldn’t you want to live comfortably in retirement without having to worry about the inability to meet your essential spending needs?
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Abraham Okusanya‘s latest whitepaper on retirement spending patterns
Announcements -   Research
Wed, Jan 20, 2021

Abraham Okusanya‘s latest whitepaper on retirement spending patterns

Abraham Okusanya, has released a whitepaper that busts myths around retirement spending left, right and centre. Why? Because it’s imperative for people to have the facts when deciding when to retire, how much they might need, and the optimum amount they can spend during this critical final phase.
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How advisers can evidence compliance and save time.
Article
Mon, Dec 14, 2020

How advisers can evidence compliance and save time.

Regardless of your feelings on the subject of regulation, proving full compliance is a huge undertaking for financial advisers. The regulator currently requires a business to provide information on how they assess suitability in retirement planning. Relying on simplistic assumptions to illustrate retirement outcomes is not a good idea; allowing for the likelihood of events like market crashes and their impact on a client’s retirement whilst evidencing such is a far more robust approach. So, what can you to do ensure you’re on your compliance ‘A Game’ without it dominating your office hours and detracting from client time?
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Paving the way to a new world of retirement planning
Article
Mon, Nov 30, 2020

Paving the way to a new world of retirement planning

Finance, in general, has always been viewed as a pretty boring subject and many can’t be bothered with all the technical details and terminology. So the emergence of exciting technology that helps advisers truly engage with potential retirees is a HUGE opportunity to get them involved and confident in their financial future.
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Insights from the latest Retirement income data since the introduction of pension freedoms.
Article
Wed, Oct 28, 2020

Insights from the latest Retirement income data since the introduction of pension freedoms.

Timeline’s Pension & Technical Consultant, Toyosi Lewis, examines the latest FCA Retirement Income Market Data to identify how consumers are taking their pension income and whether or not they are seeking financial advice.
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Vertically integrated businesses: do they benefit clients?
Article
Mon, Sep 28, 2020

Vertically integrated businesses: do they benefit clients?

Having control of the entire value chain, from fund management through to financial advice, should make business sense. But does it? Continue reading.
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Save more yesterday!
Article
Wed, Sep 23, 2020

Save more yesterday!

Having enough money for old age is an old adage. The world as we know it now needs us to think differently about how we save towards retirement. What can we do as individuals to save more and how have previous approaches and government interventions helped achieve this?
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Living Longer: Looking beyond average life expectancies
Article
Tue, Aug 25, 2020

Living Longer: Looking beyond average life expectancies

As financial planners, we're responsible for ensuring our clients don't outlive their savings. Underestimating how long someone will live could be costly. Longevity is central to our planning efforts, and we need to think carefully about it.
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Digitising Retirement Planning for Financial Planners
Article
Tue, Jul 21, 2020

Digitising Retirement Planning for Financial Planners

When thinking about adopting new ways of doing things, or a different way of conducting business, we ask the question, ‘what’s in it for me (or my business)?’ Enterprises consider the potential costs and benefits of implementing new tools or processes to improve their business and decide to change strategy if the benefits outweigh the costs.
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Monitoring a client’s retirement plan with Livetrack
Article
Mon, Jun 15, 2020

Monitoring a client’s retirement plan with Livetrack

As technology becomes an integral part of our lives, the ability to track your client’s plan in real-time is game changing! Read our last blog on how you can monitor your client’s retirement plan with our Livetrack feature.
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The Importance of Client Review and Withdrawal Policy Statement
Article
Wed, May 27, 2020

The Importance of Client Review and Withdrawal Policy Statement

Retirement planning has evolved over the years, and this has necessitated the need for suitable advice. A Withdrawal Policy Statement (WPS) focuses on more than the suitability of advice. It considers the overall client retirement experience, details clear and specific retirement goals and how the client and their adviser plan to deal with them once they occur in retirement.
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How Major World Events Have Always Impacted Stock Markets
Article
Thu, May 7, 2020

How Major World Events Have Always Impacted Stock Markets

Major world events have always impacted stock markets, from risk and return perspectives. Timeline caters for these situations and our technology applies over 100 years of historical capital market data to stress test clients' portfolios in retirement. Read on.
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Introducing Timeline's new Model Portfolio Centre
New Feature
Thu, Apr 16, 2020

Introducing Timeline's new Model Portfolio Centre

We're pleased to announce the changes we have made to Timeline's Model Portfolio Centre. In our latest video, we will show you just how easy this feature is to use.
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FCA puts retirement under the spotlight
Article
Tue, Apr 14, 2020

FCA puts retirement under the spotlight

The Financial Conduct Authority (FCA) has recently confirmed it will be assessing the suitability of decumulation and retirement advice. Read on.
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The unknown unknowns of Retirement Planning.
Thu, Jan 30, 2020

The unknown unknowns of Retirement Planning.

Retirement planning is sometimes seen as something of a nightmare for individuals who’re almost at the point of retirement, or workers who’re considering how they would get on once they hang up their boots!
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Financial Planners Versus Financial Advisers: Are Households better off?
Thu, Jan 30, 2020

Financial Planners Versus Financial Advisers: Are Households better off?

There’s an expectation that households with access to financial advice would make better investment-based decisions compared to similar households without access to financial advice.
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