Filling the savings gap : How creating a career path may provide a solution

The UK is often seen as a mature market for financial services. Yet maturity does not mean stagnation and change is a regular feature of business life both at the micro and macro levels. Initial impetus for the change came in the late 1980s with the division of distribution into one of two camps. Advisers were either to be tied to one provider or alternatively they could remain independent and place business with any insurer.