opinion

'There are genuine legal complications'

What represents true value for the client?

'I believe IHT planning is becoming as much about psychology as legislation'

'ESG funds benefit from access to some of the livelier parts of the market'

Changes are still currently only at proposal stage

Entering decumulation can be an unsettling time for clients

Managing cyber compliance in financial services

More than a registration exercise

'Advisers who have made the change often describe a clearer sense of purpose'

'Just because AI can - in theory - perform a particular role, we need to ask whether it's a good idea'