With myriad possible ways in which people can divide their finances when cohabiting, having clear, concise legislation would be hugely beneficial. Unfortunately, the law is far from transparent, admits Georgina Vallance-Webb

Judging which product will best fit a client’s requirements is no easy task when selecting an ETF, and managers should ensure they look at factors other than cost to make the right choice, says Nick Shellard

As the credit crunch and market turmoil continue to have a massive impact on the pockets of savers, financial advisers are really starting to feel the squeeze, with several channels of their usual income drying up and overheads increasing