New way to do overseas trips

With all this talk of regulation, the very predictable discussion around soft dollars creating a bias for advice has been raised.

Now for me, the trips have never been a driver, the last two I have qualified for, one last year and one this, I have turned down.

However, that is not to say they do not make up an important part of the whole picture of providing good financial advice.

Moreover, what I mean by that is the role of the life insurance adviser, that is professional, involves a significant level of, as Jeff Tobin put it to me one-day, compassion fatigue.