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Aside from being a step back for professionalism, the experience pathway presents a financial challenge for universities that have spent years investing into financial advice qualifications in preparation for the education standard.
Education providers have expressed concerns that the experience pathway will encourage existing students to drop out of their studies and has left past students angry about the inequality.
Advisers are primarily motivated to join the profession to help people rather than for personal gain, despite public perception often suggesting otherwise. However, a key catalyst for this motivation is personal hardship.