Nothing’s forever, after 92 years we see an old friend disappear from our high street for good. A sign of the times maybe, but what were the key contributors and the lessons retail advisers can learn from the latest world recession’s casualty? Well, the writing was on the wall for sometime. It is clear that the HMV model had...

Are we really as surprised as the politicians would have us believe with the latest revelations from the UK banking industry? Let’s face it we’ve now had 3 years or so since the 2008/9 financial crises to understand that the monetary system has been rigged by certain market participants who play an insider game and benefit from the continued cycle...

So the story goes the financial adviser decides to visit one of his firms top clients to explain the move to fee based services. This client has invested considerably over the years and is seen as a sociable friend by the adviser. The meeting starts as normal and then the issue surrounding the new fee charging level is discussed,...