The review will examine how financial advice, considered in its broadest sense, could work better for consumers. Among other things the review will examine regulatory or other barriers firms may face in giving advice and how to overcome them; how to give firms the regulatory clarity and create the right environment for them to innovate and grow; the opportunities and challenges presented by new and emerging technologies to provide cost effective, efficient and user friendly advice services; and how to encourage a healthy demand side for financial advice, including addressing barriers which put consumers off seeking advice. The review will consult in autumn 2015 and report ahead of Budget 2016.