Over the past weeks my thoughts have returned to the independent v restricted debate. I’m not alone either, it currently seems to be a favourite topic for a number of “thought leaders” in the advice profession.
I must confess to being conflicted by the whole debate. On the one hand, I do understand that RDR has profoundly altered the availability of advice. And, if restricted, simplified or ‘Robo’ advice can help people to build wealth and security in their lives, this must be a positive thing.