'September is a starting point, not the finish line'

'There are still some firms that are treating Consumer Duty as a rigid one-off annual exercise'

'Co-manufacturing is not a product decision. It is a relationship decision'

'This is as much a perception challenge as a pipeline one'

Three assumptions keeping the protection gap alive

'Regular reviews will still play an important role, but clients' lives do not follow a servicing calendar'

Will join in September from Standard Life and replaces Emma Douglas

VUKPA 2026 finalists

'A few weeks ago, there was genuine reason for optimism'

The bottom line for boards