The adviser of the past, and most still today, limited their advice to the client to that of their specialty. The lending or credit or debt adviser (typically a Mortgage or Finance Broker) will only explore the advice needs of the client in the area of lending or debt or credit. The  tax adviser (typically an accountant) will only explore the advice needs of the client  in the area of tax  and the  retirement income (typically a Financial Planner)  adviser will only explore the advice needs of the client in the area of future lifestyle objectives, and being able to fund such objectives or maximise a social security entitlement.

But our changing clients will demand more from their adviser of the future.

The full version of article appering in GFM May, 2009