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    People have been declaring the end of the small IFA as well, for many years, and still are, but we find ways to survive and thrive. One way has been networks, some of which are no more than big businesses dressed up as a series of small businesses, but others like mine really are what they are meant to be. Maybe the answer for small surveying practises lays in that direction David.

    Interestingly in my field of business by far the greatest number of complaints according to the ombudsman is with the larger companies. The small IFAs achieve the highest client satisfaction levels.

    Small businesses will always find ways.

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