You might have noticed that things are changing. This is not your typical business book. It is aimed at a very specific audience - those financial advisers (independent, tied or otherwise) who want to face up to the very real challenges on the horizon. We are publishing this book as a direct response to the publication of a Consultation Paper from the Financial Services Authority. You know the one we mean. This book is about a journey. It's about our journey. More specifically, this book is about a five year journey which started back in the summer of 2004 and has by no means ended yet. It covers everything you need to know about succeeding in retail financial services in the future, including getting your proposition right, segmenting your clients, bringing your services to market, how to price your fees, the technology you will need to support your business and much more.