Yesterday was our annual conference and I thought I'd share some of the key issues with you.

The days of simply selling financial products are gone. Not just from the demise of commission but as much from the recognition that businesses run on that model are likely to be valueless, if not now, then in the near future.

Advisers must make choices as to the business model they wish to pursue and in the run up to RDR there is little room for error.