Brave new world: Three things that changed advice forever in 2014

Advisers are used to change. But this year has seen more upheavel than most. Picking just three trends or events that can be classed as having the biggest impact was hard. But in the end, we chose the most disruptive, the ones that either have, or soon will have, changed the way advisers do business. Here are our top three:   1 'Freedom!' When Chancellor George Osborne stood down from the dispatch box after delivering his March Budget, the financial services industry was reeling. His decision to scrap the near-compulsory purchase of annuities by retirees wiped millions off ...