The financial advice industry is being bought. Not all of it, and not all at once — but the pace of consolidation over the past decade has been significant, and the direction of travel is clear.

There is a moment in most careers when you realise that the environment you are working in is no longer the right vehicle for the work you want to do.

Most people with significant wealth spend a great deal of time thinking about how to grow it. Very few spend time thinking about whether they have enough.