Retirement products provider Just is planning to pilot a ‘disruptive’ advice arm this year targeted at people with modest pension savings.

New research from VitalityInvest has found almost half (44%) of advisers do not believe technology can play a role in helping to close the advice gap - the gap between those with and without access to affordable financial advice.

I got back recently from a holiday in Central America. I learned to scuba dive in the Bay Islands of Honduras and then flew north to explore Guatemala. A wonderful experience all round.

I’m annoyed about this! About it being all about us in the profession, apparently failing to address this crucial issue of the advice gap.