It is often said time flies when you are having fun and, while there may have been precious little fun in financial services over the last year or so, I really cannot believe it is almost three years since Nucleus came to be.
I remember being in Paris three years ago this past weekend when we hit a legal barrier to our funding transaction - I think I may have spent more on my mobile phone bill that weekend than I did on the rest of the trip! But of course all ended well and we set about changing our little corner of the world.
I remember back in those days claiming that wrap was the most fundamental strategic issue the industry would ever be faced with and perhaps, through time, that view, which was fairly radical back then, is coming to be more widely accepted.
Nowadays it seems barely a week goes by without screaming headlines about the RDR, life office consolidation or companies withdrawing from unprofitable markets.
The transparency that sits at the core of a true wrap proposition forces accountability (on all parties) and the RDR has created an enormous focus.
Quite how many market participants (across life offices, fund managers, financial advisers and legacy platforms) are geared up to deal with the emerging accountability is unclear, but there is no doubt whatsoever that we will see more change in the next couple of years than we have been accustomed to.
In general terms we are beginning to see the consumerisation of the retail financial services as clients and their trusted advisers increasingly take control of the retail market.
Those grey old dinosaurs who claim financial services must be sold and not bought are more out of touch than ever and this time don't have the financial services to challenge the direction in which the enlightened are travelling.
My chairman often quotes Bill Gates' assertion people generally overestimate the impact of technology over three years but underestimate it over ten. Well, we're almost three years into this journey and the world is increasingly looking the way we'd hoped and the once profoundly deep strategic issues are starting to come to the surface.
In another scenario, it may have been our third birthday today had we not hit that last minute block but we were not to be deterred.
When a wise lady once said "Focus more on your desire than your doubt and the dream will take care of itself" she most certainly didn't have Nucleus on her mind, but given we are probably the only UK platform to have doubled our assets under administration over the last twelve months the dream continues to rumble along nicely.
By continuing to be authentic and committed to driving real change I hope we can continue on that journey. Those that continue to oppose change will lose out in the end. It's only a matter of time but they may do well to heed Mr Gates' words.
David Ferguson is chief executive of Nucleus FinancialIFAonline
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