Why clients expect us to have an answer for everything

The job financial advisers are expected to do has evolved over the years. Advice is no longer about addressing a single, immediate need (if it ever was), but is now about understanding and supporting the entirety of a client's financial ambitions. Whether driven by Consumer Duty or simply the growing complexity of people's financial lives, advisers are now expected to deliver more joined-up, holistic advice. Clients do not view their mortgage, pension, protection and investments as separate silos, and they expect their adviser to take the same view. That shift presents both an opportu...