Hard Times
I hope Charles Dickens will forgive me for borrowing my title from one of his…
Author Derek Davies
Derek Davies
Derek T Davies is a freelance Consultant,Editor and Writer
Diversity and Inclusion
The FCA has focused on Diversity and Inclusion (D&I), as one of its main goals…
Raindrops on roses
This month I am focusing on some of my favourite things from my roles, first…
Is it worth it?
Like all disciplines and areas of work, T&C changes and evolves over time in response…
It’s just human nature
Part of the work that I do now involves reviewing announcements from several regulators around…
Covid Considerations
As I write, deaths from Covid-19 are averaging just under 200 per day in the…
Is bigger better?
One of the tasks undertaken as part of the supervisory process for advisers is a…
Embedding or Training?
There is a strong school of thought within financial services businesses that it is good…
Whose voice?
Research shows that when people look for someone to do work for them, they make…
To be brutally frank!
It was 2005, by which time I had been an adviser for over 20 years,…