I have been a DFS customer for a very long time and have always valued the personal attention and relied on the considered advice and insights that I have received. As we are all discovering, the financial advice industry is beset with conflicts of interest and an emphasis on product sales at the expense of unbiased advice and portfolio management. The approach taken at DFS clearly avoids such conflicts, with its separation of tailored advice from portfolio management, which is supported by its innovative portfolio management platform and active approach to the management of risk.