Richard Ardron: Advising the 21st Century Client

Have the fundamental needs of clients changed? Or is it simply a case of evolving expectations and, as a result, changes in attitudes and behaviours? An off-the-cuff reaction to those questions would probably be to claim that, in this fast-paced world, client needs are changing. When you actually take time to consider it, however, it is more about evolution and adapting to one's surroundings than a change in needs. Our fundamental needs have not actually changed, whether this is at a basic level - shelter, warmth, food and so on - or from a financial perspective - owning our own home,...