We have recently been through a period where the financial market plumbing has been tested to its limits. But also a time where the savings market continues to be transformed as governments and companies hand responsibility for retirement to individuals. Described as the democratisation of the savings market - but a democratisation with implications for the provision of advice, the cost of that advice and where the liabilities attaching to that advice might sit.

Richard Dunbar and Rennie McConnochie look back over 30 years in the industry, one they conclude is more professional, better regulated and socially responsible than ever before.

US-120521-149302-1