A practical way forward: Utilising hybrid to close the advice gap

Like weeds popping up in flowerbeds and someone else winning the big one on the lottery, the advice gap has been a perennial irksome feature of life for ages. Beyond the small cohort of affluent investors who seek out and can afford to obtain professional financial advice, millions of people are unable to receive sufficient help to put money aside in the right way with the aim of attaining their future financial wellbeing. Over the years, attempts have been made to bridge this gap, whether by regulatory direction or innovation in the financial products and services market. Yet it pers...