'Financial advice needs an age-related reboot': Why people shouldn't wait until 55

I hold the unusual title of the UK's youngest-ever Fellow of the Personal Finance Society, obtaining this at 21 and still holding it four years later. That's not a badge of honour — it's a problem. The average financial adviser is in their late 50s, and fewer than one in four are under 40. Meanwhile, the vast majority of people receiving advice are already well into midlife or retirement.  So why does this matter? Firstly, it presents the danger of ever ever-widening the well-publicised advice gap. With many advisers soon to hit retirement age, there is a threat of the adviser pool co...