opinion

'Europe remains especially exposed given its reliance on imported energy'

Outcome‑driven advice will define future sector leaders

Annuities are now back to pre-2008 credit crunch levels

'If only the calendar could tell us when to take risk and when to retreat'

Practical planning steps for advisers

Is this new regime actually simpler for clients?

'Establishing and running an IFA firm is a significant undertaking'

‘The promise of AI in this industry remains enormous’

'What is particularly galling is that there were viable alternatives'

'The most significant risk is not technical unsuitability. It is expectation mismatch'