Question: What do you think the retirement planning industry's new year's resolution should be this year?

Nick Bladen is head of marketing development at Skandia The prospect of changing regulation and fluctuating stock markets has had a significant effect on financial services in 2008. With so much change, it is time that the industry views retirement planning and investment planning in the same light, employing robust and defined processes that match risk appetite to asset allocation. This will take advisers closer to achieving a holistic approach and supports a move away from traditional products towards the use of tax wrappers. In 2008, there has been a shift away from stand-alone produ...