Aware he is putting on his 'judgemental hat', Philip Martin suggests too many financial advisers - who he notes, as a sector, have an average age of 54 - are taking too long to embrace technological change.
The Openwork marketing and propositions director is the latest industry figure invited onto Professional Adviser's new Adviser Champions series, following our interviews with the PFS's Keith Richards and the CISI's Campbell Edgar.
Martin goes on to argue encouraging young talent into the financial services sector is a time-intensive and costly business and, as such, banks can end up being the natural breeding ground for new, young advisers.
"The choice of being a financial adviser is poorly understood in the community at large," he also notes.
"There is an awful lot trade bodies and others could do to start to engage with people and help kids make choices to understand that there is a very sound, sensible and rewarding career to be had from doing that job."
You can find out more of Martin's views on financial advice and planning - including why he would create a "complete bonfire" of regulatory client paperwork as head of the FCA for a day - by clicking on the video at the top of the page.
The Adviser Champions series of video interviews offers insight into how figures from inside and around the world of financial advice see such issues as recruiting new talent to the sector, the impact of regulation, the dangers of jargon and the challenges and opportunities posed by robo-advice.
If you would like to put your own or a colleague's name forward for consideration to take part in the series, please email Julian Marr
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Following office refurbishment
Start with the ‘why?’
After 20 years in Westminster
Retired in 2014