Many firms start with good intentions, but without defined structure and accountability, Training & Competence can easily become procedural rather than purposeful.

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Weak T&C creates regulatory risk and cultural damage. It influences how advisers perceive their growth, leadership and future within the firm. They may not voice it — but they know when T&C lacks substance.

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A frequent weakness in firms is treating Training & Competence as an extension of sales management. It isn’t.

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T&C exists to ensure advisers have the knowledge, skill, expertise and professional conduct required to deliver suitable advice. When those foundations are not actively strengthened and evidenced, the advice process becomes exposed to unnecessary risk.