Michelle Hoskin is the leading operational best practice expert in financial services. Internationally recognised, she is innovative and inspirational in her approach. She believes that in order to change the professional face of financial services forever, each and every adviser and planner must achieve their true potential and become the best possible version of themselves. Please note: The opinions, beliefs and viewpoints expressed by our contributing authors do not necessarily reflect the opinions, beliefs and viewpoints of unbiased.co.uk.