Firms have linked up since 2009

Succeeds Lee Hartley who is now deputy chair

Owner Andrew Swallow to retire

‘Young people need advice - but the cost to serve often means they don’t get it’

Fixed fees ‘can create cross-subsidisation’

Acquires Lifetime Financial Management Intermediaries

Through wealth manager’s ‘Early Careers’ programme

Route to advice via schools, colleges and universities said to be ‘the best way’

Rain Newton-Smith claims ‘the time for tinkering is over’

Aims to give Atomos advisers ‘streamlined, efficient’ tools