Advisers are avoiding compulsory long-term care exams by exploiting loopholes in the FSA’s grandfathering rules, according to LTC specialist Symponia.The company is lobbying the regulator to change its LTC qualification rules as the gaps in eligibility cri- teria mean that clients may not be getting advice from qualified advisers. The rules on grandfathering say advisers who are deemed “LTC specialists” before October 25, 2004 must sit the CF8 exam within two years of that date. But if an adviser stops writing LTC business for 60 consecutive days, the two-year clock stops. Symponia says this could mean that an unqualified long-term case adviser could continue ad infinitum. It also adds that if an IFA is recommending bond investments to fund care-home fees, they do not have to take CF8 at all as bonds are not specific to long-term care products.