Double indemnity

If there is one thing the financial services market has never been short of, it is business models. It has more models than the catwalks of London fashion week and, like the models, each is dressed up in various guises to attract potential clients while empowering the advisers themselves. Many advisers will have had little choice in the business model they operate and the remuneration they receive having joined a firm with existing practices and standards in place. Others who have set up on their own will also be influenced by the workings of previous employers and may have found it diffi...