Prepared in partnership with Phil Billingham

Nucleus has compiled this white paper with Phil Billingham, director at Perceptive Planning. Phil is a chartered financial planner, a chartered wealth manager and a certified financial planner.

He is a past director of both the Institute of Financial Planning and the Society of Financial Advisers, and a past member of the Financial Planning Standards Board regulatory advisory panel. Alongside Shannon Currie, he is also a director of World Citizens, which specialises in cross-border financial planning.

In the first section, Phil charts the history of financial planning and explores where the profession has come from…