Gilliat gets creative with its structures

Persistent low interest rates have made the structuring of products more challenging in the UK retail market, with many FTSE-only products no longer able to provide much of a return. Gilliat Financial Solutions’ managing director Adrian Neave tells Sarah Nowakowska how the ability to both innovate and adapt to the market leaves room for better payoff structures

Established in 2009 as the trading name of private bank Arbuthnot Latham, Gilliat Financial Solutions launched its first structured product aimed at retail investors at a time when the UK's Financial Services Authority (FSA) was scrutinising structured retail products and how they were being sold to investors. The need to adapt to a more stringent regulatory environment led the company to focus on developing comprehensive marketing and research material while putting an emphasis on its level of