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In July 2025, the UK Financial Conduct Authority published the most significant reform to financial advice since the 2012 Retail Distribution Review.
The new “targeted support” and “simplified advice” framework allows consumers with modest savings (typically £10 000–30 000) to receive generic investment guidance without full suitability assessments.
Implementation begins by April 2026 and should improve access to financial advice for millions, potentially offered by up to 100 firms at low or no cost.
This regulatory change matters to UK savers seeking low‑barrier guidance and long‑term investment help. 




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