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In Focus - Future Of Independence


Redefinition of the requirements for operating as an independent adviser will place a greater burden on those seeking to adopt or retain the IFA label. As such, there is speculation that this could lead to a diminution of the number of IFAs in favour of the broadly-defined restricted alternative.


Investments| Sep 15, 2014

Morningstar View: The human touch matters

Using external risk-profiling tools to cut costs may pose a threat to clients’ wellbeing.

Your Industry| Apr 24, 2014

Data reveal slow movement to ‘restricted’ advice

Data reveal most advisers have remained independent but business consultancy warns it may be hard to remain profitable.

Your Industry| Apr 10, 2014

FCA reveals when advisers must disclose restricted switch

Clients paying ongoing fees must be told “as soon as possible” if their adviser has become restricted.

Your Industry| Jul 10, 2013

Demand for whole of market advice surging post-RDR

Adviser referral website says firms are fine-tuning their propositions to appeal to appropriate clients.

Your Industry| May 16, 2013

London IFA acquires two client books worth £35m

Fallout from the RDR has provided ample opportunity for acquisitive advice firms, company MD believes.

Regulation| Jan 04, 2013

Advisers back Sifa, Law Society on independence climbdown

Although changes could damage IFA business FSA’s redefinition does not reflect nature of business, advisers argue.

Analysis & Opinion
Commission bark was always worse than its bite

John LappinonRegulation| Mar 09, 2015

Commission bark was always worse than its bite

Things clearly went wrong in our industry, but was commission always to blame?

FTAdviser BlogonInvestments| Jan 20, 2015

Advisers benefit from platform use, not clients

FCA wants advisers to carry out due diligence on the suitability of a platform on behalf of their clients.

Retirees reveal a thirst for retirement product cocktails

John LappinonInvestments| Jan 19, 2015

Retirees reveal a thirst for retirement product cocktails

A survey suggests the public still values annuities, in spite of their shoddy reputation.

Recent Articles
  1. FTAdviser BlogonYour Industry| Jan 13, 2015

    Life planning is simply financial planning done right

    Where do the goals and dreams of the client come into the latter approach?

  2. John LappinonRegulation| Nov 10, 2014

    Vital that Sesame gets strategy back on track

    One might argue that previous management blundered trying to navigate the radical financial adjustment required by the RDR.

  3. FTAdviser BlogonInvestments| Oct 24, 2014

    We need to do away with quartile rankings

    The goal of beating the competition is outdated and should be replaced.

  4. FTAdviser BlogonInvestments| Sep 02, 2014

    Dealing with ‘super clean’ share classes is a tad messy

    We live in a competitive environment so if you are happy with your proposition, why impose barriers to exit?

  5. FTAdviser BlogonInvestments| Aug 19, 2014

    High cost of doing business is crippling the industry

    The cost of running an IFA business has spiralled in the past couple of years.

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