Agent as Client vs Reliance on Others: How Your DFM Relationship Is Really Structured
Agent as client vs reliance on others: how the two DFM structures allocate responsibility, FOS access and Consumer Duty obligations for UK advisers.
Articles by Jonny Rowse
Centralised Investment Management for Advice Firms: In-House or Outsourced?
Centralised investment management for advisers: run portfolios in-house or outsource to a DFM or MPS? Costs, permissions, Consumer Duty and how to decide.
How Discretionary Investment Management Is Regulated in the UK: An Adviser's Guide
How discretionary investment management is regulated in the UK: FCA permissions, COBS suitability, client agreements, reporting and best execution for advisers.
Sudden Wealth Management: Advising Clients Through a Windfall
How wealth advisers should guide a client through a sudden windfall, from inheritance to a business sale. A practical framework for sudden wealth management.
AI for Financial Advisers: Where It Actually Saves Time in a UK Wealth Practice
Where AI genuinely saves UK financial advisers time: meeting notes, suitability reports, client comms, and the Consumer Duty guardrails that keep it safe.
Vetting a Wealth Manager's Stewardship and Governance Credentials
How advisers and HNW clients can vet a wealth manager's stewardship and governance credentials: the questions and evidence that separate substance from spin.
How to Run an Investment Committee in a UK Advice Firm: Charter, Cadence and MI
How UK advice firms should run an investment committee under Consumer Duty: charter, cadence, MI pack, decision rights, and what minutes must record.
DFM Minimum Investment Levels: A UK Adviser's Guide for 2026
DFM minimum investment levels for UK advisers in 2026: MPS, bespoke, and segregated mandate thresholds, why they exist, and how to use them in segmentation.
Tapered Annual Allowance: Pension Planning for HNW Clients in 2026/27
The tapered annual allowance can cut HNW pension funding to GBP 10,000. Here is how UK wealth advisers should plan in 2026/27 to avoid surprise tax charges.