My latest piece in the insurance section of goodreturns highlighted the challenges of helping consumers resolve conflicts in their priorities. Philip Macalister just dropped me a line to share his latest Goodreturns TV piece, an interview with Tim Noonan of Russell Investments. Noonan was talking about the need to help customers make behaviour changes too - particularly around spending - which is the big overarching priority challenge in financial planning: consumption now versus later. It is exactly the same issue for many clients when contemplating the purchase of insurance. The reduction in the regulatory boundary between giving insurance advice, investment advice, and giving financial planning advice is one of the best features of the regime. It contains an opportunity for better conversations to be had. Do check out the interview with Noonan, which contains much of interest even if you are not an investment adviser.