Lambie:Do you think new players joining the MPS market understand how crucial good service is for advisers? RBC Wealth Management reveals impact of longevity on financesThe industry has a long way to go, no doubt about that. In that cost dynamic, advisers have to ask themselves, ‘Can I afford to service a client with only £100K to invest? We have moved away from commission and now the fee-based model exists, but I think firms are starting to realise that it doesn’t work for every client. IFA firms exist to help clients achieve their financial goals, but they are also businesses in their own right.