In some respects investments advisers are streets ahead of insurance and home loans advisers. Older, wealthier, and with wealthier clients they also tend to have more fee-based businesses, and work from longer-established evidence-based models for advice. But insurance and home loans advice has plenty to celebrate, and that was reflected in the changing membership of Financial Advice New Zealand, highlighted by Chairperson Sue Brown in her recent speech. The younger adviser and more diverse membership Brown was happy to talk about comes mainly from the mortgage and insurance membership. In this advice sector barriers to entry are lower, and commissions enable the cash-strapped younger people, or return-to-work mothers looking for a career to fit around children, to become advisers. That diversity is important because if we want advice to be accessible to everyone. Some of that diversity will flow through into new ways of thinking and new offers and services to clients. That cohort of younger advisers will in turn develop the skills necessary to offer full financial planning and investment advice services.