opinion

Exploring the expenditure consolidation conversation

'It's not enough for the AR to hold its own cover. The obligation sits with the principal'

'Another factor bringing annuities back into focus is the evolving tax landscape'

'Periods of recalibration are not inherently negative'

'A new cohort of younger, dynamic, and tech‑savvy high earners has emerged'

‘Proportionality does not equal minimalism’

'There are some issues the FCA would like to tackle'

'It's up to us to determine whether AI works for us or against us'

Rise in trust numbers reflects regulatory expansion and growing awareness

‘Providers have a responsibility to better support advice firms’