Why housing wealth should be part of the advice conversation

The advice profession rightly prides itself on delivering holistic financial planning - yet for many clients approaching or living in retirement, one of their largest assets may never meaningfully enter the conversation. At a time when regulators are encouraging broader retirement planning and millions of consumers face uncertain retirement outcomes, that raises an uncomfortable question: can advice genuinely be described as holistic if housing wealth is routinely overlooked? The FCA has been clear in its view that housing wealth has the potential to become a "fourth pillar" of retire...