Consumer Duty for Discretionary Fund Managers: What the FCA Expects
Consumer Duty for discretionary fund managers: manufacturer and distributor roles, fair value at total cost, target market drift and outcomes MI.
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What Is an Advisory Mandate? A UK Adviser's Guide
What an advisory mandate is, what the document must contain, how consent is evidenced under Consumer Duty, and where advisory still earns its place.
Pensions and IHT from April 2027: The Planning Window Is Now Eight Months Wide
Unused pension funds enter the IHT net for deaths on or after 6 April 2027. What the Finance Act 2026 actually changed, what is excluded, and what to do now.
How to Compare DFM Performance: A Framework for UK Advisers
DFM performance comparison for UK advisers: why headline returns mislead, how to test composites and dispersion, and what to record on file.
DFM for High-Net-Worth Clients: What Changes Above GBP 1m
DFM for high-net-worth clients: how UK advisers should set the mandate, control fees and CGT, and test custody and reporting above GBP 1m.
The Bank of England's Summer Rate Gap: What Seven Quiet Weeks Mean for Advisers
No MPC meeting in August 2026: after 30 July the next rate decision is 17 September. How UK advisers should handle client conversations across the gap.
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.
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.