'Very serious breaches'
Regulator published a review on Friday
Fears raised over consumer decision making
Post-pension freedom trends revealed
Drop is similar in non-advised arena as annuity sales slide
An IFA is to launch a non-advised investment proposition alongside its fully advised service to allow clients to "dip in and out of advice as they please".
Adviser numbers are down and firms' profits after tax, despite a temporary recovery last year, are lower than the two previous years, according to research from the Association of Professional Financial Advisers (APFA).