opinion

The direction of travel is clear

'Good quality annuity files tend to have one thing in common: robust fact‑finding'

Regulatory simplification vs expanding oversight

Not exactly straightforward

'These measures fail to recognise that cash is used intentionally by savers as a strategic asset'

'Most advisers, it seems, are tolerating data delivery from platforms and pension providers'

'In a people business, cultural integration is key to preserving client trust, adviser continuity and value'

'Technology is part of this picture in ways that are worth being honest about'

'Commercial property still remains a highly attractive and favourable investment for the right client'

Government plans put ISA simplicity under threat