財政上の 助言者s are putting people's 退職 at 危険, says City 監視者
- Shoddy advice led to unnecessary?告発（する），告訴（する）／料金s and 税金 in some 事例／患者s, FCA said??
The City 監視者 has （刑事）被告 退職 advice 会社／堅いs of ‘not even getting the basics 権利’ in a scathing 報告（する）／憶測 that 設立する some put （弁護士の）依頼人s’ 未来s at 危険.
The 財政上の 行為／行う 当局 (FCA) has written to 長，指導者 (n)役員／(a)執行力のあるs, asking them to review and 改善する 退職 income advice services.
It said some fail to 供給する the 権利 （警察などへの）密告，告訴（状） for 顧客s to make 知らせるd 決定／判定勝ち（する）s on their 未来s, and made errors on basic 計算／見積りs of 未来 income.
The FCA said some people getting advice wouldn't be able to take steps to mitigate any losses, by, for example, returning to work to 補足（する） their income.?
In extreme 事例／患者s, poor advice has 原因（となる）d （弁護士の）依頼人s to lose 価値のある 保証（人）s and 背負い込む unnecessary 告発（する），告訴（する）／料金s. Some （弁護士の）依頼人s weren't even been 正確に 知らせるd about which 税金 bracket they would 結局最後にはーなる in.?
支援する to basics: The FCA has written to 長，指導者 execs, asking them to review and 改善する 退職 income advic e services
The regulator said not all 会社／堅いs were 効果的に considering sustainability of income 撤退.'
It wants?会社／堅いs to consider their 顧客s’ 現在の and 未来 income needs in 退職 and sharpen up their 記録，記録的な／記録する keeping.
Shoddy 危険-profiling was also 原因（となる）ing some 顧客s to take on more 危険 than appropriate and 耐えるing 削減s to their income they could not withstand, the FCA said.?
The FCA also has 関心s about the depth of 'fact finding' about （弁護士の）依頼人s, which 確実にするs tailored and appropriate 退職 advice is 供給するd.?
It said: 'We had particular 関心s around the suitability of the advice given in seven とじ込み／提出するs.?
'The 問題／発行するs we identified 含むd loss of 保証（人）s and features, 刑罰，罰則s incurred and unnecessary 告発（する），告訴（する）／料金s or 税金. Some 顧客s were also not given （警察などへの）密告，告訴（状） about 関連した 選択s.'< /p>
税金ing 事柄s:?The FCA said the 税金 関わりあい／含蓄s of any advice must be 明確に 輪郭（を描く）d
In some 事例／患者s the FCA （機の）カム across, 攻撃を受けやすい （弁護士の）依頼人s were not spotted and an 分析 on the individual's 支出 was 'not 記録，記録的な／記録するd or 完全にするd.'
If a （弁護士の）依頼人s' 支出 wasn't analysed, it meant their 最小限 income needs or how much discretionary income they had were not （疑いを）晴らす.?
In other 事例／患者s, the FCA said people's wider 財政上の circumstances were not taken into account by some 会社／堅いs. It said the 衝撃 of the 明言する／公表する 年金 and all 年金 マリファナs was いつかs 行方不明になるd, as was scrutiny of possible 未来 資本／首都 腐食.?
The FCA said the 税金 関わりあい／含蓄s of any advice must be 明確に 輪郭（を描く）d.
Taking one example it （機の）カム across, the FCA said: 'The 顧客 手配中の，お尋ね者 to 接近 an 付加 sum of money for a 明確な／細部 need. The とじ込み／提出する showed all the income for the 顧客 and their partner had been 記録，記録的な／記録するd.?
'Discussions regarding 税金 referred to a 20 per cent 税金 deduction but failed to make （疑いを）晴らす the lump sum would 押し進める the 顧客 into the higher 率 税金 threshold.'?
Sarah Pritchard, (n)役員／(a)執行力のある director of markets and international at the FCA, said some 会社／堅いs make a real difference to （弁護士の）依頼人s, 追加するing: ‘Others are not even getting the basics 権利, putting 顧客s’ 未来s at 危険.’
In a letter to bosses, Lucy Castledine, director for 消費者 投資s at the FCA, wrote: ‘Some 会社／堅いs may not be 会合 the needs of their 顧客s, 潜在的に 主要な to poor 結果s.’
Castledine said 退職 income advice would remain 'an 現在進行中の 焦点（を合わせる）' for the FCA.??
A review of 返答s from 1,000 会社／堅いs 賞賛するd some 助言者s but said others failed to consider a 維持できる income for 退職.?
Rebecca O’Connor, of 年金 会社／堅い PensionBee, said: ‘If they are not going to help you be better off than you would be さもなければ, what are you 支払う／賃金ing for?
‘One of the moments in people’s lives when an 独立した・無所属 助言者 should really 向こうずね is that point when you’re about to retire.’
