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Insights

Below you will find the latest articles covering a wide range of issues and topics relevant to financial advisers. Articles are written by contributors from Embark’s businesses as well as other partners and providers and are not promotional or sponsored.

These articles are intended for regulated financial advisers and intermediaries only.

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2020 Outlook for US equities and economy

By Jeff Schulze

Embark Adviser

Consumer strength should avert recession as equity markets remain volatile. The S&P 500 Index made new all-time highs in 2019, as on-and-off trade tensions with China eased, the Federal Reserve (Fed) cut interest rates three times and corporate earnings held up better than anticipated.

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Financial advice must reflect constantly changing time horizons

By Greg B Davies

Embark Adviser

The days of simple product time horizons are over. Instead, advisers must manage the combined effects of overlapping, interrelated and dynamic goals. The concept of a time horizon is a mainstay of suitability. But what does it mean? And where does it fit into the financial planning process?

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Navigating through changing ESG requirements

By Peter Toogood, Embark Group

Embark Adviser

2020 is set to be the year in which environmental, social and governance (ESG) factors will have to be incorporated into advisers’ suitability processes. The driver will be EU legislation which will still apply in the UK for at least the next 12 months and perhaps longer.

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The journey of risk regulation: Don’t forget the investor

By Greg B Davies

Embark Adviser

Risk tolerance cannot be accurately assessed by putting complex risk-return choices in front of people, or asking them to choose between possible portfolio outcomes in the distant future.

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Global Equities - Key themes for 2020

By Zehrid Osmani

Embark Adviser

Wild cards like Brexit and the U.S. election have the potential to impact markets against a backdrop of low inflation and muted growth. The world will become ever-more disruptive.

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Working with vulnerable clients

By Sara Wilson

Embark Adviser

Missing the signs that a client might be vulnerable isn’t something any adviser wants, and with the FCA recently closing a consultation on the fair treatment of vulnerable clients it’s an issue of sharpening regulatory focus too.

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