Ollie Smith is joined by the contributors to a major report by Octopus Investments into the advice gap to discuss market failure, retiring advisers, and why culture is the key to making advice more accessible.

The participants were:

Ruth Handcock, chief executive, Octopus Investments

Claire Limon, director of learning and acquisition, Openwork

Rohan Sivajoti, director, Postcard Planning, and director and head of innovation, NextGen Planners

James Priday, managing director, Prydis, and P1 Investment Management

Alan Marks, managing director, Harrison Spence