'While access to pensions has improved, barriers remain'
'Combining trust and reassurance keeps clients engaged for the long term'
'MPS is now a heavily scrutinised, regulated proposition'
'Industry's challenge is less about products, and more about process'
'A key challenge for investors is to identify the pockets of genuine innovation'
'Most people I meet have never had protection properly explained to them'
Long-term hopes for financial advice
'Advice, technical work and administration support the client, while culture shapes what happens between them'