Dimensional Perspectives

1. The advice industry shifts from ringing up sales to building client relationships.

With the rise of the independent financial adviser, a new financial advice model takes hold—one that puts the client at the centre and changes the way advisers charge for services.


2. The regulatory environment signals that advisers ought to act in clients’ best interest.

Regulatory rules obligate regulated investment advisers to act in the best interests of their clients, which sets a higher standard for serving them.


3. Investment advice evolves into comprehensive wealth management.

Over time, investment advice advances beyond individual security selection to encompass a broader scope of services, from asset allocation to wealth management. Advisers focus on understanding each client’s personal circumstances and objectives.


4. Financial advisers collaborate with other professionals on behalf of their clients.

To help clients manage multiple aspects of wealth, advisers take a central role in coordinating the services of accountants, lawyers, investment managers, insurance providers, and other third-party professionals.


5. Improved client discovery tools enable more relevant plan design.

Advisers apply new methods to identify a client’s financial objectives, attitude toward risk, return expectations, and financial traits. The insight informs more advanced financial planning and investment approaches.


6. New technologies and research help clients better understand probabilities of outcomes.

With advanced research and robust analytics tools, advisers offer clients a more sophisticated view of the range of possible outcomes associated with different investment and personal budgeting strategies.


7. Advisers build cost-efficient, globally diversified portfolios for individual investors.

Strategies based on financial science offer building blocks to help advisers design customised portfolios that systematically pursue capital market returns.


8. Digital technologies transform the ways advisers communicate with clients, prospects, and the world.

Access to global information networks expands an adviser's influence as publisher, educator, thought leader, and coach. Serving in these multiple roles helps to create more informed, disciplined investors.


9. Advisers join professional communities where they share best practices and ideas that can benefit clients.

These communities offer investment education, quantitative tools, and professional networking opportunities to help advisers build and manage their practices while elevating the client experience.


10. Advisers develop succession plans to ensure business continuity for their clients. 

Advisers recognise the importance of planning for business and leadership succession, which can help provide continuity of services and support for both current and future clients.


This is the first of a four-part series (see Part 2Part 3, and Part 4).

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