Fitness is a good way of determining just what type of sector we want to end up with. If you want to be a product-flogger, it is a numbers game but even then persistency or retention to use the new buzz word, will still be there in the foreground, and remuneration for sales staff is likely to diminish as clients become more aware of charges.Flabby products do not have any future and nor have wrap platforms that do not have a truly open architecture. But that does not mean that all IFAs should be creating their own platform. How any IFA could contemplate building their own wrap platform or customising another means two things – they have never been involved in an a major IT project and they have greatly underestimated the costs. Transparency of charges, including our remuneration and being fit for purpose, are the twin pillars of our emerging profession, everything else fades away. Regular education is essential. The PFS recently launched seminars on IHT changes and nearly 400 people are set to attend. If there are 60,000 advising, does this mean 59,600 are up to speed or are there only 400 people advising on estate planning? Taking personal responsibility for your own education is essential if you want to be a professional. Leaving education to product providers dripfeeding it via their products makes no sense. Creating your own training plan allows you to consider just what will take you forward. If we are to be professional, we need to develop our skills and that goes further than exams. As wraps take hold, the old methods of secreting charges to fund excessive commission will hit the rocks. We are now heading to the polarisation envisaged by the much maligned Ron Sandler, where at one end we have the fee-based professional and at the other the product distributor. Maybe we will soon have status disclosure in language so the public immediately understand who and what they are dealing with.