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“Yes, I would agree with that because of the care and attention you

get from a personal adviser instead of the bulk service in a bank.”

Brian Donn, North East Independent Financial Advice

“Yes, I think so, because we will maintain our independence and build

up personal relationships with our clients.” Christopher Knox, Beacon

House Investments

“I would say yes. Banks give a very bad service traditionally, so

IFAs are more in tune with what investors want.” Ken Harrison,

Wilkinson Harrison and Robinson

“Yes. We offer a personal service and we offer continuity to

customers who like to see the same face each time.” Chris Crookes,

Grovenor Financial Management Consultancy

“Absolutely not. I think we operate at different levels. We provide a

service to clients, where banks are interested in turning them over.”

Malcolm McPherson, Orr Kerr Dykes & Co

“Yes. We can offer a more appropriate service and usually more

competitive rates.” Brian Hancox, BDH Financial Services

“No. Although I think we will be able to compete,I do not think

things will change very much.” Stuart Murray, Peter Murray Life and


“No. I think it will be harder for smaller IFAs because the banks

will start to look more like IFAs.” Bob Cooper, RMC Associates

yes 63%

no 37%


Migs are an&#39unnecessary evil&#39

National mortgage broker Savills Private Finance is calling forlenders to abolish mortgage indemnity guarantees, saying they are nolonger needed with arrears and repossessions at an all-time low.It says the latest figures from the Council of Mortgage Lenderspublished last month support this view that Migs, a premium paid by aborrower to provide the lender with insurance […]

Failure to see real-life consequences of depolarisation

I am writing to clarify certain statements attributed to me in thearticle headlined, Angry CA attack on panel&#39s “ivory tower” Brown(Money Marketing, February 6). To make it clear, any criticism wasnot aimed at Colin Brown personally for his views on depolarisation.I am unfamiliar with Colin Brown&#39s opinion on the CA&#39s polarisationpolicy so would not comment […]

US on route to recovery

For the objective observer, who wants to take a step back from the war drums and the cries for peace over Iraq (not to mention North Korea), what can one expect from US equities for the coming year?Although recent events always tend to influence the supposed dispassionate analysis of strategists (just look at how many […]

Cinderella syndrome

For many years, we have referred to income protection as theCinderella product. Although the need that it meets is obvious, ithas never really been very successful.It has often lost out to critical-illness cover, even though the twoproducts are complementary. But Cinderella will not go to the ballunless we overcome some of the perceptions that some […]

The Natixis Solution: H2O MultiReturns Fund

A product designed to bring some unique attributes to the crowded absolute return global macro space With diversification and risk management top of investors’ wish lists when it comes to alternatives, step forward the H2O MultiReturns Fund. H2O Asset Management is an independent boutique backed by Natixis Global Asset Management and has a 14-year track […]


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