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Investments and advice.

Advisers, arrangers, dealers, brokers and wealth managers, working under COBS, PROD and CASS.

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In 2026/27, 9,260 firms pay fees as advisers, arrangers, dealers and brokers 4. 5,616 firms held retail investment advice permissions during 2025, with 38,426 advisers 7.

What is different here

What applies in 2026 and 2027

  • Targeted support went live on 6 April 2026 43.
  • SM&CR Phase 1 changes took effect on 24 April 2026 34.

Services that fit

SM&CRStatements of responsibilities, certification, regulatory references and conduct rules training, scaled to whether you are a limited-scope, core or enhanced firm.Financial promotionsPre-publication review of every channel against the financial promotion rules, an approval record for each version, and checks that old versions are not still live.Consumer DutyWe set up outcomes monitoring that answers the four outcome tests from your own data, and produce the report your governing body has to approve every year.Retained complianceSenior practitioners on retainer for any FCA-regulated firm, with gap analysis, policy reviews and FCA correspondence handled for you.

Software that fits

GuardianThe ultimate compliance monitoring platform, in productionSMF Reasonable Steps VaultA contemporaneous reasonable-steps record for each senior manager in core and enhanced firms.FinProm AIReviews every promotion before publication and keeps the approval record.

Latest updates for investments and advice

All regulatory updates

Sources

  1. 4 FCA PS26/14, fee-block populations 2026/27
  2. 7 FCA FOI2026/00250, retail investment advisers
  3. 43 FCA PS25/22 targeted support
  4. 34 FCA PS26/6 SM&CR review

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