Deckchair Critic: 11 observations of the adviser market

In a change from the normal holiday reading list, here's a holiday thinking list: things to think about. Is this a negative list, or a positive list? That's up to you. Are you 'glass half full' or 'glass half empty'? Or are you "Glass? I don't recall being offered a drink'?" 1 More advisers needed The current debate on who should do the guiding in the new requirement to provide guidance at retirement just reveals the extent of the advice gap. And, online developments notwithstanding, most people need help of some sort from a real person sitting in front of them. 2 Let's not confu...