The expectation gap: Why suitable advice can still fail the client

Financial advice has always assumed a degree of continuity. Clients stay. Relationships transfer. Suitability holds over time. Recently that assumption is starting to break down — research suggests that more than half of next-generation clients plan to leave their adviser. That is not simply a generational shift — it is a signal that expectations are changing, and advice models need to keep up. At the centre of this is a widening gap between what advice delivers and how clients experience it. When suitability isn't enough A portfolio can meet every traditional suitability metric:...