Darren Cooke
Darren Cooke is an award-winning chartered financial planner who is the founder of Red Circle Financial Planning in Derbyshire. He has worked in financial services for 26 years - more than half of those as a financial planner. In 2016 he launched a campaign which led to pension cold-calling being banned.
'Hunt's tax changes might not bring workers back but childcare cover could'
Darren Cooke
![Darren Cooke](https://www.ft.com/__origami/service/image/v2/images/raw/https%3A%2F%2Fs3-eu-west-1.amazonaws.com%2Ffta-ez-prod%2Fez%2Fimages%2F0%2F9%2F9%2F8%2F138990-2-eng-GB%2FDarren+Cooke+circle.png%3Fv1?source=ftadviser)
Forget social media, do what works for you and your business
Darren Cooke
![Darren Cooke](https://www.ft.com/__origami/service/image/v2/images/raw/https%3A%2F%2Fs3-eu-west-1.amazonaws.com%2Ffta-ez-prod%2Fez%2Fimages%2F0%2F9%2F9%2F8%2F138990-2-eng-GB%2FDarren+Cooke+circle.png%3Fv1?source=ftadviser)
I hope for better client outcomes, I do not expect them
Darren Cooke
![Darren Cooke](https://www.ft.com/__origami/service/image/v2/images/raw/https%3A%2F%2Fs3-eu-west-1.amazonaws.com%2Ffta-ez-prod%2Fez%2Fimages%2F0%2F9%2F9%2F8%2F138990-2-eng-GB%2FDarren+Cooke+circle.png%3Fv1?source=ftadviser)
Do not underrate the value of just being there for your client
Darren Cooke
![Darren Cooke](https://www.ft.com/__origami/service/image/v2/images/raw/https%3A%2F%2Fs3-eu-west-1.amazonaws.com%2Ffta-ez-prod%2Fez%2Fimages%2F0%2F9%2F9%2F8%2F138990-2-eng-GB%2FDarren+Cooke+circle.png%3Fv1?source=ftadviser)
New talent needed as advisers are reaching their limit
Darren Cooke
![Darren Cooke](https://www.ft.com/__origami/service/image/v2/images/raw/https%3A%2F%2Fs3-eu-west-1.amazonaws.com%2Ffta-ez-prod%2Fez%2Fimages%2F0%2F9%2F9%2F8%2F138990-2-eng-GB%2FDarren+Cooke+circle.png%3Fv1?source=ftadviser)
Do you really know your client?
Darren Cooke
![Darren Cooke](https://www.ft.com/__origami/service/image/v2/images/raw/https%3A%2F%2Fs3-eu-west-1.amazonaws.com%2Ffta-ez-prod%2Fez%2Fimages%2F0%2F9%2F9%2F8%2F138990-2-eng-GB%2FDarren+Cooke+circle.png%3Fv1?source=ftadviser)
Don't leave everything for a rainy day
Darren Cooke
![Darren Cooke](https://www.ft.com/__origami/service/image/v2/images/raw/https%3A%2F%2Fs3-eu-west-1.amazonaws.com%2Ffta-ez-prod%2Fez%2Fimages%2F0%2F9%2F9%2F8%2F138990-2-eng-GB%2FDarren+Cooke+circle.png%3Fv1?source=ftadviser)
Little changes can make a huge difference
Darren Cooke
![Darren Cooke](https://www.ft.com/__origami/service/image/v2/images/raw/https%3A%2F%2Fs3-eu-west-1.amazonaws.com%2Ffta-ez-prod%2Fez%2Fimages%2F0%2F9%2F9%2F8%2F138990-2-eng-GB%2FDarren+Cooke+circle.png%3Fv1?source=ftadviser)
Keep the PFS independent
Darren Cooke
![Darren Cooke](https://www.ft.com/__origami/service/image/v2/images/raw/https%3A%2F%2Fs3-eu-west-1.amazonaws.com%2Ffta-ez-prod%2Fez%2Fimages%2F0%2F9%2F9%2F8%2F138990-2-eng-GB%2FDarren+Cooke+circle.png%3Fv1?source=ftadviser)
Are clients truly on board with ESG investing?
Darren Cooke
![Darren Cooke](https://www.ft.com/__origami/service/image/v2/images/raw/https%3A%2F%2Fs3-eu-west-1.amazonaws.com%2Ffta-ez-prod%2Fez%2Fimages%2F0%2F9%2F9%2F8%2F138990-2-eng-GB%2FDarren+Cooke+circle.png%3Fv1?source=ftadviser)
Will the new ways of working stick after lockdown?
Darren Cooke
![Darren Cooke](https://www.ft.com/__origami/service/image/v2/images/raw/https%3A%2F%2Fs3-eu-west-1.amazonaws.com%2Ffta-ez-prod%2Fez%2Fimages%2F0%2F9%2F9%2F8%2F138990-2-eng-GB%2FDarren+Cooke+circle.png%3Fv1?source=ftadviser)
Leave poor service behind this tax year
Darren Cooke
![Darren Cooke](https://www.ft.com/__origami/service/image/v2/images/raw/https%3A%2F%2Fs3-eu-west-1.amazonaws.com%2Ffta-ez-prod%2Fez%2Fimages%2F0%2F9%2F9%2F8%2F138990-2-eng-GB%2FDarren+Cooke+circle.png%3Fv1?source=ftadviser)
Advisers must adapt or risk going extinct
Darren Cooke
![Darren Cooke](https://www.ft.com/__origami/service/image/v2/images/raw/https%3A%2F%2Fs3-eu-west-1.amazonaws.com%2Ffta-ez-prod%2Fez%2Fimages%2F0%2F9%2F9%2F8%2F138990-2-eng-GB%2FDarren+Cooke+circle.png%3Fv1?source=ftadviser)
I am missing the human element of conferences
Darren Cooke
![Darren Cooke](https://www.ft.com/__origami/service/image/v2/images/raw/https%3A%2F%2Fs3-eu-west-1.amazonaws.com%2Ffta-ez-prod%2Fez%2Fimages%2F0%2F9%2F9%2F8%2F138990-2-eng-GB%2FDarren+Cooke+circle.png%3Fv1?source=ftadviser)
Treat your clients as if they were family
Darren Cooke
![Darren Cooke](https://www.ft.com/__origami/service/image/v2/images/raw/https%3A%2F%2Fs3-eu-west-1.amazonaws.com%2Ffta-ez-prod%2Fez%2Fimages%2F0%2F9%2F9%2F8%2F138990-2-eng-GB%2FDarren+Cooke+circle.png%3Fv1?source=ftadviser)
Your home should not be an investment
Darren Cooke
![Darren Cooke](https://www.ft.com/__origami/service/image/v2/images/raw/https%3A%2F%2Fs3-eu-west-1.amazonaws.com%2Ffta-ez-prod%2Fez%2Fimages%2F0%2F9%2F9%2F8%2F138990-2-eng-GB%2FDarren+Cooke+circle.png%3Fv1?source=ftadviser)
Networks are a crucial part of your business
Darren Cooke
![Darren Cooke](https://www.ft.com/__origami/service/image/v2/images/raw/https%3A%2F%2Fs3-eu-west-1.amazonaws.com%2Ffta-ez-prod%2Fez%2Fimages%2F0%2F9%2F9%2F8%2F138990-2-eng-GB%2FDarren+Cooke+circle.png%3Fv1?source=ftadviser)
Some advisers still act outside clients' interests
Darren Cooke
![Darren Cooke](https://www.ft.com/__origami/service/image/v2/images/raw/https%3A%2F%2Fs3-eu-west-1.amazonaws.com%2Ffta-ez-prod%2Fez%2Fimages%2F0%2F9%2F9%2F8%2F138990-2-eng-GB%2FDarren+Cooke+circle.png%3Fv1?source=ftadviser)