He states that some of the older advisers who left may come back! in whose lifetime? What absolute rot. Leaving the profession involves complex calcs, negotiations and end-of-career moves in selling a client base. It isn't generalloy something you "come back from" to a profession such as this. Anyway, what retired experienced adviser in his/her right mind would RE-involve themselves in the current non-profitable idiocy around compliance, FARCE-IA exams and unpredictable politicians changing the rules at a whim simply for soundbites and re-election purposes. This is especially true for the specialist risk adviser. You would have to be completely mad to leave retirement and get back into that 'hot-mess'. It will all be over for the thinking adviser by 2026 though, the writing is on the wall in technicolour - go ahead and do the calcs yourself . . .