The FCA recognise that not everyone wants or needs professional, face-to-face advice and we are aware that advances in technology, particularly the increasing availability of online services, are leading to changes in how people seek advice for their financial planning. In this paper we do not focus solely on services that would meet the regulatory definition of advice but instead use the word ‘advice’ to capture a wide range of provision of services offering support to consumers. Consumer engagement with financial services is essential but some people may struggle to find the right support, at the right time, to help them make decisions. People face increasingly complex choices and need the right help to make financial decisions.

https://www.fca.org.uk/your-fca/documents/famr-cfi