If it ain't broke why fix it?

These must go into the diary first to ensure they are not forgotten: further training for consultants, advising clients and introducers on the effects of the Finance Act 2007 and, perhaps most importantly, responding to the FSA’s retail distribution review. What ever happened to the maxim, if it isn’t broken don’t fix it? Why did we get away from polarisation in the first place? It sent a clear message to the consumer that an adviser was either tied to a life assurance company and could provide limited advice or he was independent. With polarisation gone the differential is cloudy and un...