Time to wrap up the advice evolution

The process of evolution hasn’t been perfect, however, with peculiar items like politicians and poor penalty-takers making their way through the system. I wonder if the next big step in advancement is likely to be missed by many advisers. For some, ‘wrap’ is a product, for others it seems to be a tweak on what they are doing now. I have listened in awe at some presentations where insurance companies desperately defend their position, keen to hold on to their market share with fragile solutions designed for the past. (Do you know they still call with-profits, WITH profits – oh yeah, since ...