Shaping the future of impartial  
financial services in the UK 
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Why Libertatem 


The representation of impartial advisers has been failing for the last 15 years: 
Regulators have increased their budgets tenfold since 1999. Over 100 FCA staff earn more than the Prime Minister! 
Polarisation has been abandoned 
The Adviser Sector has lost 25,000 employees including 6,000 advisers 
We have failed to ensure that regulation is properly accountable to Parliament exposing both clients and advisers to uncertain futures 
Unaccountable regulators ignore the Limitations Act leading to the Long Stop issue 
Our representation no longer seeks to change policy 
We now face losing up to 45% of the adviser force in March 2016 thanks to the loss of Trail commission. Unless reversed, this will mean regulatory and compensatory costs will be shared by fewer advisers. 
IFA issues no longer feature in Parliament as we stopped lobbying MPs 
Over the last decade we (the industry) have lost sight of why access to impartial advice is so important and are at risk of killing off access to advice for ‘Middle England’ – something the Government now acknowledges 
The Adviser sector has lost 25,000 employees (including 6,000 advisers) since 1999. Over the last decade we have lost sight of why access to impartial, independent advice is so important…a fact the Government now acknowledges. A tougher stance now needs to be taken. 
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