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Financial institutions have now started to shoulder in and provide homogenous services that are dressed as individually tailored packages to the new found HNW. Rising costs have lead to multiple mergers and one brand may be affiliated with many more behind the scenes. Cross selling invest investing offshore now packaged investing as 'Independent Advice' from the high streets former building societies, however investing it does beg the question how an advisor who is remunerated by a provider is not influenced to steer clients to predominantly to their own or affiliated products. Combining a few non-owned funds, thrown in to avoid apparent bias is surely not the way to provide best advice.