Dunstan Thomas

But will schemes and providers be ready?

'Gone are the lengthy consultation and rule-setting cycles that often took several years'

Consumer Duty may lead to tensions between advisers and providers

But how many firms will use it to their advantage?

Engaging younger saves through apps is a work in progress

AI can help deliver deeper client understanding

As clients save more it is essential to get the best long-term returns

Scheme design has smart features that ameliorate potential downsides

What behaviours are we trying to encourage with any tax changes?

Generative AI: A game changer for advice