I wonder why these sorts of reports never detail the percentage of pure specialist risk writers? They always seem forgotten and margi alized for some reason. It is a real flaw in the reporting as they are very different discipline to a garden variety financial adviser. I suppose it makes as much or as little sense as the ridiculous educational requirements for risk advisers i.e. full FP qualifications. . . completely inappropriate to specialist risk advisers. Where is the so called AFA on this major flaw?