Strength in numbers

To ensure an early discount on applications for the authorised principal (AP) route, advisers should have already submitted their forms to the Financial Services Authority (FSA). Therefore, it is likely most of those remaining are at least considering the appointed representative (AR) route. It is important to remember that while the FSA's regulation for protection and general insurance will change the way we work, regulation generally is not a new concept in financial services. Those with memories long enough will recall the significant amount of consolidation that followed investm...