Why the FCA “Two Hats” Problem Is About to Become One of the Biggest Strategic Issues in Financial Planning For years, the UK financial advice profession has operated within a relatively stable identity structure. You were either: an authorised firm, an appointed representative, or a regulated financial adviser operating under a regulated permissions framework. The … Continue reading Advice Out. Agency In. Why the FCA’s ‘Two Hats’ Issue Is About to Reshape Financial Planning →