December 9, 2014

Businesses are rather like living organisms in that they adapt and evolve to fit the environment around them. To extend the analogy, successful businesses and species change with the environment and those that don’t eventually cease to exist.


For some types of advisory businesses, RDR was the equivalent of a meteorite, but there is still sc...

December 2, 2014

We work in a regulatory landscape transformed by RDR, and as with all such changes for some it’s too much change and for others it’s an opportunity.  There are going to be ways to capitalise on these changes and this post will explore what opportunities lie ahead for IFAs in the next five years.


You already know a lot of advisers left the s...

November 18, 2014

For almost 9 years Bradbury Hamilton has explored different service propositions to sit within the fee based model.  Over this time we’ve developed a structure which allows for fixed fee, hourly fee and percentage based charging depending on the type of work undertaken for our clients, it’s size and complexity.


But until recently, pricing t...

November 13, 2014

The pace of change in the IFA business has quickened to such an extent in the past few years that it has left many advisors thinking about their future and that of the businesses they’ve worked so hard to build up.


RDR and the end of Trail Commission by 2016 has meant that the opportunities that once existed for smaller firms have vanished,...

November 11, 2014

A company that has immense skill, know-how and expertise but has no way of packaging, presenting and promoting what it does will fail to attract clients. Irrespective of how good the business is at adding value, it’s all for nothing if nobody knows.


On the other hand, a company that promotes itself endlessly and attracts a wide audience, bu...

October 23, 2014

In this blog I’ve talked at length about the problems that IFAs and networks are facing as a result of the huge changes that RDR has brought about. The end of trail commission and the need for a strong service proposition and uniform charging structure has presented some firms with almost insurmountable challenges.


However, this is not to s...

August 28, 2014

Selling a financial advice business that you’ve built from scratch and developed over years and decades can throw up unexpected challenges, especially if you hadn’t intended to sell. The recent changes that RDR and the end of trail commission have brought to the industry have led many IFAs to consider selling their businesses, but many migh...

August 21, 2014

Every financial services business is built on trust, the more of it you have from the client the more successful your business will be, lose it, and it’s gone forever.


The essence of this precious commodity for any IFA network is consistency. Making sure that financial advice is uniform, coherent and reliable.


This seems obvious eno...

August 14, 2014

April 2016 represents a watershed moment for our profession, with the end of trail, or legacy commission planned. The consequences for many small firms might well be fatal, but there is still time to act.


It is eighteen months since the long and tortuous six year development process for the Retail Distribution Review came into effect, by th...

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