Adviser tips

PRICEY

With a little help from a decades-old theory, Caspar Rock, CIO at Architas, assesses the very real differences between client risk appetite and capacity for loss

CLIENT BASE

FIVE THINGS

Traditional client segmentation projects make "bad business sense", according to one adviser who has created an offering which lets clients self-segment according to their means.

WHY WE DO IT

Advisers can choose to remain haunted by the ghosts of Christmas past or embrace the ghost of Christmas future, says Aegon's head of Business Brain, John Joe McGinley.

The risk a triple-dip recession could hit people's finances is a big worry to about a quarter of consumers, research from the Institute of Financial Planning (IFP) has revealed.

LONG-TERM CARE

SAVVY CLIENTS