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Financial advice consolidation in the UK has put private equity in control of hundreds of firms. Here's what vertical integration and hidden conflicts mean for your money.

The reason why so many people receive poor financial advice is the same reason why so many of us overpay for car repairs. Simply put, we lack the basic knowledge to distinguish good advice from bad. A phrase we keep reading is the “advice gap”. And I get it. It’s a big problem I’ve written about many times. Only a tiny fraction of the UK population receives financial advice. The Retail Distribution Review, for all the good it has done, has only widened the gap further, as

Good financial advice isn’t just about picking the right investments or products. In fact, it often has more to do with planning,...

When you read a book like How to Fund the Life You Want, or Mark Hebner's Index Funds: The 12-Step Program for Active Investors, it can be tempting to try to manage your investments on your own. But is it a good idea? True, Index Funds is an extraordinary book. It equips you with all the information you need on the best way to invest. But it's one thing to have the knowledge you require, and quite another to put that knowledge into practice on an ongoing basis. The main rea

When a crisis comes, panic usually isn’t far behind. Many of us are now living with the threat (or the reality) of redundancy or a drop...