'I've got my clients' backs': A profile of award-winning IFA Mike Horseman

What would you do with client number ten? If clients one to nine give you discretionary control of their investments, what do you say to the tenth, who wants to do some of it by themselves while asking you for pointers? For Cockburn Lucas and its co-founder and managing director Mike Horseman, you sit them down, boil the kettle and make a start. The Nottingham IFA operates a three-bit centralised investment process. At one end is a model portfolio service for clients with investable assets under £75,000; at the other is full discretionary for customers with assets north of £150,000. T...