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The emergence of non-advisory products, such as those sold by supermarket chains, may cause some people in the insurance industry to have a dim view of the future, but is it really that bleak for small IFAs? IFA Peter Chadborn, principal of CBK, believes the future looks bright, providing advisers know where to position themselves in the market. He explains: "You either have to specialise in one particular area and farm out the rest of the work or you have to work within a team that has individual specialists." CBK, set up in 2002 with Andy Baker and Mark Kearle, is a perfect example of...