‘Proposals to publicise investigations are a worrying development’

‘Have difficulty buying a home and will have a lower overall asset base’

‘Next gen advice should be a profitable income stream for your business’

‘You can have a higher sustainable income overtime’

‘Your business and your people are under attack constantly’

'Advisers may need to have a re-think and explain things'

‘It needs to be done in a different and innovative way’

‘Now there's soft skills training but advisers naturally did it back then’

‘Beyond that clients should take the biggest risks they are willing to’

Distributors also must provide access to consumer-facing disclosures