Life is precious and fleeting 
More thoughts on regulation More ...
Generating Deranged Procedural Reinventions 
The GDPR turkeys are coming home to roost More ...
DB Pension Transfers - Lessons 
Some more reflections on PS18/6 More ...
Regulation.  Again. 
On the receiving end of the Regulator's Largesse More ...
New PracticeBuilder out shortly 
Advance notice of our next newsletter More ...
The Beast from the East... 
Phishing and the Wild West 
Unsupportable conclusions 
Food for Thought 
Cashflow forecasts and the GAD 
Your Xmas Video Treat 
MiFID Matters 
The Beeb and the Tata Steel Pension Scheme 
What's in a word? 
Snog Marry Avoid 
The judicious use of incentives 
The FCA, webform design and TCF 
Undue influence 
On setting the bar 
Weighing the data 
On the joy of not failing
Disruptive Innovation 
A day in Pictures 
Just. Walk. Away 
Self-Subverting Regulation
Working on your business 
The Stuff of Nightmares 
How to lose your majority 
The Assessing Suitability Review 
Financial Crime + AML 
A strange interaction 
How 'thick' is your proposition? 
Quick-Start Your Proposition 
A reason to celebrate 
It's OK to be a capitalist 
The Case for Cashflow 
There's always a crash 
Somewhere, close to the brink 
The Persistent Elephant 
Mind the gap 
Merry Christmas 
The ease of negligence 
Brexit: we need entertaining! 
Red sky in the morning... 
Sustainable, or...? 
Advertising and Attention-Span 
Complexity + client understanding 
A world where 
Dreaming the dream 
Eve and the Apple
For goodness sake 
Too good to be true? 
Wake up to a new world 
Data in, data out 
Don't be like Yodel 
A little nostalgia is a good thing 
Welcome to my world 
Sorry to brag, but... 
Complaint-Management Models 
Intimations of mortality 
The wonderful world of regulatory permissions 
From alert to supervisory action 
Due-diligence, suitability and all that 
Regulation, the one-way street
The old ways persist
There is sweet irony here... 
'Wot's compliance ever done for us?' 
A man who made his mark 
Messy world planning 
Teabags and Data-Disconnect 
2016: Onwards and Upwards 
On 'Doing Network' 
Tis the season to be whinging 
Futile Forecasting Frustration 
On being deliberate 
Data Matters 
Over a lifetime 
Your money is safe 
What's going on at the FCA? 
The BT Engineer cometh 
Robot IFA, here we come? 
Rethinking the basics 
Independent...or what?
What you write matters 
Be careful out there! 
Crimes against information 
Realism not Cynicism 
A Question of Trust 
Choices, promises and client experience 
Where's Value? 
Just Say No 
Too bright to look at? 
Compliance + Subjectivity 
Fostering the critical mind 
The sidelining of the client 
There be Bear-Traps 
Threats to Sustainability 
2015, Looking Forwards
Merry Christmas! 
Regulation's working... 
Innovation and Self-Service 
The Challenge of Due Diligence 
The joy of Notes 
Re-Evaluating Rebalancing 
It's all joined-up 
Lights, cameras, action, EIS... 
Row over EU 'interim levy' 
Fences make uncomfortable seating
Adviser Mood Swings Need an Explanation
Choppy waters? 
 What's your number?
Is it a maze? 
The risk of risk 
Picking the winners 
All you need is love ...
It's a State of Mind
Face to face with the FCA 
Surprised by excellence 
Afloat in the Sea of Ambiguity?
Independence +
Does A Fund's ACD really matter? 
The Future's Bright, the Future's Orange? 
2 + 2 = 4 (or does it?) 
What's smart about smart beta?
Even Marcus needs wellies 
PIMS and the place for products 
Ethical Professionals 
Trusted Adviser...or what? 
Never out of fashion 
Customer Service! 
Adviser Charges - the FCA Thematic Review 
On Not Advising on Mortgages
Ennui about Annuities? 
Where there's a Will... 
Your Proposition 
Justifying our existence 
Getting there safely 
A Network perspective
How to look forwards
The point of promises
Auto-Enrolment Implications
Happy New Year
It's almost Christmas
Merry Christmas to All!
Behold...the new marketplace
What's your commute like?
The illusion of choice
The lust of the eyes
A legacy food nostalgia trip
A good read
A bit of fiscal responsibility
Risky business
Service, service + More Service
A salutary Tale
Sorry doesn't have to be the hardest word
RDR Charging - Media Reporting
Anticipating randomness
When Outreach is Underwhelming
Matching expectations
Uncertainty, planning, hedging
Who is being served?
Reasons to be grumpy
Adequate analysis
Client Reviews
Hey ho!

Building something that lasts...

Its all joined up

It has long been our contention that much of our financial services industry in the UK is simply unsustainable.  

The way in which the RDR Discussion was conducted in the financial media underlined our belief:  the trend towards a restricted advice model demonstrated by many of the larger players proves beyond much doubt that (a) these firms' historic models were never going to survive post-RDR and (b) their primary commitment is to themselves, not their clients.

The RDR provided us with the perfect opportunity to build financial-planning and wealth-management propositions that (a) are sustainable and (b) deliver better (or even, the best) outcomes for our clients.  We simply do not buy the notion that the two objectives may not be achieved together.  We do not, for example, accept the spurious contention that the delivery of genuinely independent advice no longer makes economic sense.  It only fails to make sense for those firms which were only playing at independence pre-RDR, or which have bloated, monolithic bureaucracies which pile costs upon costs within the chain of intermediation.

At ValidPath, we've always been focused on a sustainable business model, which in practice means features such as:

  • explicable, transparent costs
  • minimal or no cross-subsidies
  • hard work on risk-management
  • a fully-independent advice proposition (no ifs, no buts)
  • future-proof systems
  • investment in Members' practice-development
  • 100% client-oriented solutions
  • working collaboratively together (sharing resources, ideas, services)

And now, why not join us and be part of something that has lasted?


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