https://www.covermagazine.co.uk/news/4379315/advisers-warn-fca-poor-customer-outcomes-market-study-rash-decisions Cover, 15th November 2024 Featured comments: “While a flat fee model has some merits, such as greater transparency, increased consumer confidence and higher retention rates, the downsides could greatly outweigh the benefits. We would see reduced accessibility for lower income clients, greater reluctance for those seeking advice, a potential adviser exodus and a greater shift in focus towards high-net-worth clients." “If the FCA focuses purely on client outcomes, he expects they could ban loaded premiums or at least ensure greater transparency where these are used.”

https://www.covermagazine.co.uk/news/4364511/ipaw-2024-delivering-value Cover, 27th September 2024 Full video at: https://www.youtube.com/watch?v=geejLVlCF9Y Featured comments: "We all know that products are getting a bit more sophisticated, with better features. Revisiting that for the client is just as important as well because there's been a change in circumstances, there could be better cover. It's not always about going up, sometimes you find that they're over insured and adjust the policy to make sure it's fit for purpose.

https://www.covermagazine.co.uk/feature/4327434/advise-protection-wealth Cover, 25th June 2024 Featured comments: “It would be incredibly challenging to go and sit down with a client who maybe doesn't have a huge financial background or financial education and try and talk about mortgages, protection, investments, pensions, inheritance tax, you name it, in one go. I think if you paint the picture and say "today, I'm going to talk about this. Next time, we are going to have a separate meeting, we're going to talk about the protection." I found that by breaking that up, you get a lot more engagement from the client, because you're not overloading them with too much information from the wealth arena."

https://www.covermagazine.co.uk/news/4141359/cover-summit-2023-consumer-duty-upped-ante-protection?utm_campaign=COVER%20Newsletters&utm_medium=email&_hsmi=78220363&_hsenc=p2ANqtz-_Acjl_1TKqNcEu0W8WZL7sEeLhM68WmkQtCWoCq35ghktQS58t7PwBACgNw-IznpIW50tCH8WhGUC8qFWRSetOjkfYog&utm_content=78220363&utm_source=hs_email Cover, 2 nd November 2023 Featured comments: “Many advisory firms are advising in the way same as 20-30 years by explaining that if a person dies or becomes ill, they will want their mortgage paid off. A push is needed to evolve these conversations as protection is often added on at the end of a mortgage journey, but advisers need to have a separate conversation explaining the importance of protection. If you're going to raise Consumer Duty, change your thinking about how you're going to present your protection, when you're going to introduce it, how you're going to introduce it. Make it into an entity."

https://www.covermagazine.co.uk/news/4128512/protection-advisers-reiterate-concern-market-consolidation-aig-exit?utm_campaign=COVER%20Newsletters&utm_medium=email&_hsmi=76627803&_hsenc=p2ANqtz-9hPfev_3qDyR5jUhg4nwznZOTP3xepFTy-wyQgpFyPtuFy7DnqgRzoMh8wQazQNtOImBIqMiLzKve76kK5LJ5IPiMGJA&utm_content=76627803&utm_source=hs_email Cover, 25 th September 2023 Featured comments: "My concern is that eventually AIG will be incorporated into Aviva and once again the number of providers within the protection market will reduce, thus reducing competition." "Canada Life left the individual protection market in 2022 and Aegon left earlier this year. It makes me wonder who will be next."

https://www.telegraph.co.uk/property/uk/no-one-has-a-god-given-right-to-live-in-notting-hill/ The Telegraph, 26th June 2023 Featured comments: “I see a mixture of strategies among first-time buyers who are looking to save for their home. Some adopt a militant approach, scrutinising every penny spent to cut back and maximise savings, while others have a more relaxed ‘hit and hope’ attitude.” “In a world of social media, it’s easy to get carried away with multiple luxury holidays, fine dining, expensive car financing, and so on, but none of these will help achieve home ownership.”

https://www.ftadviser.com/buy-to-let/2023/06/16/the-band-has-stopped-playing-for-uk-landlords/?page=1&s=09 FTAdviser, 16 th June 2023  Featured comments: “For investors with big deposits, the sector is still profitable but it is the higher leveraged landlords who are seeing the biggest challenges. Particularly where rental income is not proportionately achievable.” “Taking into account agent fees, accounting fees, repairs, rental voids, personal income etc., there will need to be some serious consideration given to whether or not these will be feasible going forward.”

https://www.mortgagestrategy.co.uk/analysis/p7-na/ Mortgage Strategy, 18 th April 2023  Featured comments: "We need to move on from this format of advice [mortgage protection] and adopt a holistic approach to lifestyle protection. Our clients have more to their lives than a mortgage, assuming they even have a mortgage. Client demographics have changed and it’s time our advice processes did also."

https://www.ftadviser.com/your-industry/2023/04/12/what-mortgage-advisers-want-to-promote-their-profession/ FTAdviser, 12 th April 2023  Featured comments: "According to mortgage and insurance specialists such as Jiten Varsani, independent mortgage and protection planner, the sure-fire way to promote their profession would be to have "Chartered level six mortgage advice qualifications". "It won't fix the problem on its own. But [qualifications] definitely help in building professionalism."