Alastair Black: Are clients' cash savings working hard enough?

I don't need to tell you about the value of advice and I don't need to tell your clients either - otherwise they wouldn't have a relationship with you in the first place. Many clients do not, however, consider their cash holdings- whether ISA or deposits - as investments and so do not think there is a need to discuss them with their financial adviser. Of course we know best practice is to keep an amount in cash available ‘just in case' and, depending on your view, normally three to six months' worth of salary is recommended - but what about cash savings? A simple search on Google aski...