opinion

A DFES reduces debt burden to improve a firm's balance sheet and cash flow

'Four unlikely but nonetheless plausible scenarios'

Further twists and turns no doubt await in 2025

'The trouble with resolutions is you’re supposed to keep them'

'There is a lot to watch in the year ahead'

Gaps, Price and Value, CIP/CRP

'Unlocks the potential for iterative improvement'

'Most firms are now heading in the right direction with their vulnerability processes'

Important to consistently evaluate your tools for value and gaps

'Opportunity for advisers to focus on a new approach to later life financial and tax planning'