David Ferguson: Disruption very much the theme of the day

So here we are again, with one year behind us and another just beginning. The financial landscape is changing so fast it makes an annual reappraisal of the state of the retail financial services market that much more difficult - but here goes anyway … Amid all the recent regulatory change such as MiFID II, PRIIPs and the GDPR, it can be easy to overlook just how far the financial planning sector has come over the last few years. With the Retail Distribution Review and the move to fees firmly in the rear-view mirror - even if some still bemoan the shift - the advice market has continued t...