Neil Moles: Everything and nothing has changed in 21 years

When I think back over the last 21 years in financial advice, I'm hit with two contradictory statements at the same time. Everything has changed, but nothing has changed. Reputable post-RDR Let's start with the areas where we have seen notable positive change. Firstly, I think we're a more effective and reputable industry than we were 21 years ago. Ownership structures and business models have changed for the better, for clients and our industry. There is more transparency, our advisers are more highly qualified, and there's greater clarity on fees, all of which have helped rebu...