You have the power, use it

With reference to the letter of the week (Financial Adviser, 31 July) You will find that the FSA and the FSSC both refer to the need for IFAs to have appropriate exams which are relevant to the advice being given.

Therefore anyone who holds the LTC and Equity Release exams including Home reversion is qualified to conduct this type of business. An adviser does not necessarily need to hold an exam in mortgages to give appropriate advice on long-term care products or equity release products. The excuse that "there are very few long-term care products available" does not give someone the right to put their hands up and say "I will not give advice in this area".

David Hindle

IFA

Four Corners Financial Management Ltd

Nottingham