警報 on '年金 打ち明けるing' 広告s

By Richard Dyson
Updated: 00:00 BST, 3 December 2003

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THE 財政上の Services 当局 has sounded a new 警告 to people over 50 who are considering '打ち明けるing their 年金s'.

The City regulator has written to 財政上の 助言者s and other companies that 促進する themselves 広範囲にわたって in the 圧力（をかける） and on TV, 警告を与えるing them against 不適切な advertising.

In its letter, the FSA 警告するd against adverts that '土台を崩す' the 危険s or 暗示する to 消費者s that 'the 決定／判定勝ち（する） to 打ち明ける their 年金 is trivial or unimportant'.

When companies '打ち明ける' 年金s, they 申し込む／申し出 the over-fifties 早期に 接近 to cash from occupational or personal 年金s. Doing so means 没収されるing 退職 income later on.

助言者 Alan Steel of Alan Steel 資産 管理／経営 in Linlithgow, West Lothian, says: 'The 本体，大部分／ばら積みの of people who 打ち明ける 年金s will be making a very bad 決定／判定勝ち（する）.'

Steel has been 高度に 批判的な of these 計画／陰謀s for several years. He says: 'They 控訴，上告 to people in their fifties, often with little understanding of 年金s, and often in 財政上の trouble. This is not the time for them to 直面する a smart salesman.'

Some high-profile 会社／堅いs 申し込む／申し出ing the service, such as Berkeley Jacobs in Rochester, Kent, have already dropped the '打ち明ける your 年金' tag. Berkeley's retirementplanning 経営者／支配人 Michael Lay, who has received the FSA's letter, says: 'We are very careful to make the 権利 推薦s to （弁護士の）依頼人s. In some 事例／患者s, we recommend they do not take the money 早期に.'

Regal Partners, based in Maidstone, Kent, is another major brand in the 商売／仕事 that advertises 広範囲にわたって on TV. The company 確認するd that it had received the FSA's letter, but would not comment その上の.

The Mail on Sunday November 30, 2003