Changing lanes

Ken Rayner, former head of product development for Bradford & Bingley, is jumping ship to establish his own retail consultancy. He tells Patrick Fletcher why he decided to go independent and how he can exploit a gap in the market


UK-based financial services company Bradford & Bingley (B&B) is going through changes. The 162-year-old former building society has recently announced that it will change the way it sells investment products, switching from independent advice to tied advisory. This means transferring its 200-strong sales force to Legal and General (L&G), its new partner, which will run a tied advisory service out of B&B’s branches. However, they are not the only people leaving the company. Ken Rayner, B&B’s

Only users who have a paid subscription or are part of a corporate subscription are able to print or copy content.

To access these options, along with all other subscription benefits, please contact or view our subscription options here:

You are currently unable to copy this content. Please contact to find out more.

Sorry, our subscription options are not loading right now

Please try again later. Get in touch with our customer services team if this issue persists.

New to View our subscription options


Want to know what’s included in our free membership? Click here

This address will be used to create your account

You need to sign in to use this feature. If you don’t have a account, please register for a trial.

Sign in
You are currently on corporate access.

To use this feature you will need an individual account. If you have one already please sign in.

Sign in.

Alternatively you can request an individual account here