CONTENTS
Written evidence submitted by Nic Williams,
Financial Adviser
Written evidence submitted by D Chaundy
Written evidence submitted by Jerry Carrington
Written evidence submitted by Jason Georgiou
Written evidence submitted by Allan Young
Written evidence submitted by Miles Stapleton
Written evidence submitted by Martin Evans
Written evidence submitted by John Davies
Written evidence submitted by Alan Taylor
Written evidence from Norwest Consultants
Written evidence submitted by Guy Dawe
Written evidence submitted by Nick Bamford,
Informed Choice Ltd
Written evidence submitted by Richard Bryant
APFS, Director, Bryden Johnson IFA Ltd
Written evidence submitted by Independent
Mutual Ltd
Written evidence submitted by Jeff Ludgate
Written evidence submitted by Killik &
Co
Written evidence submitted by G Heppleston
Written evidence submitted by Tom Scott,
Independent Financial Adviser
Written evidence submitted by Hugh Lancaster
Written evidence submitted by George Collier
Written evidence submitted by Lindsay Lockett,
Independent Financial Adviser
Written evidence submitted by Edward Keith
Parsons, KML Financial Services Ltd
Written evidence submitted by Dennis J Burling,
DPI Financial Services
Written evidence submitted by Brian Brotherton,
The Partnership
Written evidence from Carl Hope, Douglas
Hope Financial Management
Written evidence submitted by Michael Fallas
Written evidence submitted by Professional
Investment Management Services
Written evidence from Colin Johnson, Independent
Financial Advisor
Written evidence from Nick Bell, Star House
Financial Services Limited
Written evidence submitted by Paul Stocks,
Dobson and Hodge Ltd
Written evidence submitted by Simon Mansell,
Temple Bar IFA Ltd
Written evidence submitted by Julie Bayley,
True Bearing Ltd
Written evidence submitted by Neil Evans,
Vale Asset Management
Written evidence submitted by Mark Cooke,
MSC Financial Services
Written evidence from Councillor Martin Weale
Written evidence submitted by Eamon McIlroy,
PJ McIlroy and Son
Written evidence submitted by Robert Davies,
Fundamental Tracker Investment Management Ltd
Written evidence submitted by Rebecca Taylor,
Dunham Financial Services Ltd
Written evidence submitted by Jeremy Brett,
Brett Investment
Written evidence submitted by Clive Barwell
Written evidence submitted by Terence P O'Halloran,
O'Halloran and Co
Written evidence submitted by David Turner
Written evidence submitted by Andrew Reeves,
The Investment Coach Ltd
Written evidence submitted by George Emsden
Written evidence submitted by David Pring,
Chartered Financial Planner
Written evidence submitted by Stephen Pett
Written evidence submitted by Arnold Aaron
Further written evidence submitted by Clive
Barwell
Written evidence submitted by Alan Smith,
Capital Asset Management Plc
Written evidence submitted by Philip Wise,
Spofforths Financial Planning
Written evidence submitted by Robert Jackson
Written evidence submitted by Roger Parkes,
Ovenden Parkes Ltd
Written evidence submitted by Ross Perry,
Independent Financial Adviser
Written evidence submitted by Alan Simpson
Written evidence submitted by Jason Butler,
Bloomsbury Financial Planning
Written evidence from Phillip Ford, Financial
Link
Written evidence submitted by Ronald Faulkner
Further written evidence submitted by Alan
Taylor, Independent Financial Adviser
Written evidence submitted by Barry Melton
Written evidence submitted by the IFS School
of Finance
Written evidence submitted by Adam Williamson,
Delphic Financial Planning
Written evidence submitted by David Crozier,
Navigatior Financial Planning
Written evidence from Stuart Jefferies, Cerberus
Financial Planning Ltd
Written evidence submitted by J L Kirby,
WD Gill (Insurance Brokers)
Written evidence submitted by Ben McLaughlin,
Financial Adviser
Written evidence submitted by Keith Lewis
Written evidence submitted by Terry Collins,
Terry Collins Associates
Written evidence submitted by David Williams
Written evidence submitted by Charmian Asher,
Charmian Asher Financial Services
Written evidence submitted by Ron Blandford
Written evidence submitted by Peter Chesworth,
Financial Planner
Written evidence submitted by John Amey,
Cavendish Independent Financial Advice
Written evidence submitted by David Penn,
Creative Asset Management LLP
Further written evidence submitted by David
Chaundy
Written evidence submitted by Paul Scott,
Scott Financial Ltd
Written evidence submitted by Unite the Union
Dennis Hall, Yellowtail Financial Planning
Ltd
Written evidence submitted by Chris Pinkney,
Tercos Financial Ltd
Written evidence submitted by Frank McCann,
Opus Financial Consultants
Written evidence submitted by Roger Heath
Written evidence submitted by Ken Prosser,
Prosser Knowles Associates Ltd
Written evidence submitted by Wingate Financial
Planning
Written evidence subnmitted by the Chartered
Institute of Bankers in Scotland (CIOBS)
Written evidence submitted by Richard Wright,
Financial Adviser
Written evidence submitted by the Chartered
Insurance Institute
Written evidence submitted by Andrew Middlemiss,
Middlemiss and Associates
Written evidence submitted by Lloyds Banking
Group and Scottish Widows
Written evidence submitted by Blair Cann,
Independent Financial Adviser
Written evidence submitted by Christopher
Gore, C G Financial LLP
Written evidence submitted by Chris Simpkin,
Montagu Financial Management
Written evidence submitted by Terry Halewood,
MoneyScience Investment Consultancy
Written evidence submitted by Mr Philip J
Done, PDA Financial Planning
Written evidence submitted by Preston Anderson,
Financial Adviser
Written evidence submitted by Cazenove Capital
Management
Written evidence submitted by Creative Benefit
Solutions
Written evidence submitted by John Whipple
Written evidence submitted by the Financial
Services Skills Council (FSSC)
Written evidence submitted by Graham Taylor,
Aitana Financial Services
Written evidence submitted by Frank Dolan,
IFA and Investment Manager
Written evidence submitted by John Blackmore
Written evidence submitted by Jim Smith,
Financial Planning Consultant
Written evidence submitted by Oyster Financial
Services
Written evidence submitted by Mark Thompson
Written evidence submitted by SimplyBiz
Written evidence submitted by J P Loveland,
Hanover de Broke
Written evidence submitted by Merlin Financial
Consultants
Written evidence submitted by Alastair McCarey,
Financial Planning Consultant
Written evidence submitted by Mike Jeacock,
Acacia Financial Services
Written evidence submitted by Jeremy Taylor,
Financial Planning Consultant
Written evidence submitted by Les Cantlay
Written evidence submitted by Douglas Cowe
Written evidence submitted by Maurice Manasseh
Written evidence submitted by Stephen Jacobs,
Independent Financial Adviser
Written evidence submitted by the Chartered
Institute for Securities and Investment
Written evidence submitted by Henry Roth
Written evidence submitted by Chris Petrie
Written evidence submitted by John Heslop,
John Heslop & Associates
Written evidence submitted by Trevor Phelps,
Independent Financial Adviser
Written evidence submitted by Kenneth Gordon,
Independent Financial Adviser
Written evidence submitted by Sean Glorioso
Written evidence submitted by Simon Boyle,
Independent Financial Adviser
Written evidence submitted by Derek Gair,
GDC Associates
Written evidence submitted by the Investment
Management Association
Written evidence submitted by Alan Lakey,
Highclere Financial Services
Written evidence submitted by Beverley Davison,
Highclere Financial Services
Written evidence submitted by Adviser Alliance
Written evidence submitted by Glen McKeown,
Financial and Tax Adviser
Written evidence submitted by Investment
and Life Assurance Group
Written evidence submitted by AXA UK
Written evidence submitted by the Association
of British Insurers
Written evidence submitted by Garry Heath,
Life Change Ltd
Written evidence submitted by Seymour Pierce
Written evidence from St James's Place Wealth
Management
Written evidence submitted by Justice in
Financial Services
Written evidence submitted by Graham Franklin,
First Financial IFA
Written evidence submitted by Financial Services
Consumer Panel
Written evidence submitted by CFA UK
Written evidence submitted by the Association
of Financial Mutuals
Written evidence submitted by Standard Life
Written evidence submitted by the Association
of Independent Financial Advisers
Written evidence submitted by the British
Bankers' Association
Written evidence submitted by David Haxby,
Independent Financial Adviser
Written evidence submitted by Threesixty
Services
Written evidence submitted by Peter Hamilton
Written evidence submitted by the IFA Defence
Union (a group of Independent Financial Advisers (IFAs))
Written evidence submitted by Christopher
Bolshaw
Written evidence submitted by Zurich Financial
Services
Written evidence submitted by Sesame Bankhall
Group
Written evidence submitted by Lyn Cooke,
Independent Financial Adviser
Written evidence submitted by Warwick Butchart
Associates Ltd
Written evidence submitted by Stephen Henry,
E M Gray & Co
Written evidence submitted by Bharat Sisodia,
Financial Planning Consultant
Written evidence submitted by Principal Investment
Management
Written evidence submitted by Consumer Focus
Written evidence submitted by Royal Bank
Scotland
Written evidence submitted by the Association
of Private Client Investment Managers & Stockbrokers
Written evidence submitted by Ian Brough,
Independent Financial Adviser
Written evidence submitted by Charles Stuart
Financial Services Ltd
Written evidence submitted by Patricia Hutchinson,
Independent Financial Adviser
Written evidence submitted by James Brearley
& Sons Ltd
Written evidence submitted by Phil Mines,
Chartered Financial Planner
Written evidence submitted by Ralph Whittaker
Written evidence submitted by Jon Lowson,
IFA Research and Reports Ltd
Written evidence submitted by Mark Loydall,
Cambourne Financial Planning Ltd
Written evidence submitted by Which?
Written evidence submitted by the Building
Societies Association
Written evidence submitted by Arnott Guy
& Co Ltd
Written evidence submitted by the Financial
Services Practitioner Panel
Written evidence submitted by the Smaller
Businesses Practitioner Panel
Written evidence submitted by Mike Reynolds,
Moneywise GB
Further written evidence submitted by Terence
P O'Halloran, O'Halloran and Co
Written Evidence submitted by Care Asset
Management Ltd
Further written evidence from Simon Mansell,
Temple Bar IFA
Written evidence submitted by Martyn Young
Written evidence submitted by Alastair Lyon
Written evidence submitted by Fidelity International
Further written evidence submitted by D W
Johnstone, Creative Benefit Solutions
Written evidence submitted by Consumer Financial
Education Body (CFEB)
Written evidence submitted by Hargreaves
Landsdown
Further written evidence submitted by Justice
in Financial Services
Written evidence submitted by Michael Forbes
Bates
Written evidence submitted by Paul Raseta
Written evidence submitted by Concept Financial
Planning
Written evidence submitted by LifeafterX
Ltd
Written evidence submitted by Barclays
Written evidence submitted by Aviva
Written evidence submitted by Nikhil Chauhan
Written evidence submitted by Owen Hoye,
OPH Financial Consultants
Written evidence submitted by Towry
Written evidence submitted by Jonathan Blake,
Independent Financial Adviser
Written evidence submitted by Peter Falls,
Financial Adviser
Written evidence submitted by Mark Gosling,
Castle Investments Consultants
Written evidence submitted by Paul Naylor,
A P Financial Services UK Ltd
Further written evidence submitted by Paul
Naylor, A P Financial Services UK Ltd
Written evidence submitted by D Frost, Norwood
Financial Services
Written evidence submitted by Laurence Frazer
Written evidence submitted by Mrs McCartney,
Independent Financial Adviser
Written evidence submitted by W H Ireland
Ltd
Written evidence submitted by Chris Dodd,
Independent Financial Adviser
Written evidence submitted by Julian Ellis
Further written evidence submitted by Chris
Dodd, Independent Financial Adviser
Written evidence submitted by A J Mathers,
Mathers, Harrison & Co
Written evidence submitted by J P Morgan
Written evidence submitted by Angus Low
Written evidence submitted by Richard Arnold
Financial Management Ltd
Written evidence submitted by Rensburg Sheppards
Investment Management Ltd
Written evidence submitted by NFU Mutual
Further written evidence submitted by Which?
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