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In most industries, people go self-employed once they have several years’ experience. While many advisers will follow this tried and tested path, some will have been trained by firms with business models built on self-employment, meaning that, when they qualify, they will have to find their own clients.
There is a void in financial education that people may not necessarily fill once they leave school and enter the workplace
Advisers face challenges in identifying vulnerability. One is that clients may not realise their circumstances are a source of vulnerability and, even if they do, they may not volunteer that information.
Thick weeds which are holding up small boats for up to half an hour at a time have been described as a risk to life in the River Yare near Norwich.
With inflation recently hitting its highest point in 30 years, we are spending more at the petrol pumps, on our groceries and energy bills. But is the pressure we are feeling personally translating into rising costs for advice firms?