Targeted Support is a turning point - but it must include protection

When I first joined the industry many moons ago, it was very clear that almost everyone could be considered a potential client. Early training, particularly as an appointed representative of the provider I worked for at the time, placed strong emphasis on the role of protection. It was presented not as an optional extra, but as a fundamental part of financial advice. That perspective has stayed with me.  It's therefore difficult to ignore the FCA's estimate that only 9% of consumers are currently accessing professional financial advice. While there are valid structural reasons behind ...