1. 5 Years Time w hat will money advice in Scotland look like in 2017? Money Advice Scotland Annual Conference 2012 David Hawkes National Money Advice Co-ordinator

2. Aim of session To provoke debate about, and deepen understanding of, some of the key issues and challenges facing the free money advice sector in Scotland

3. Objectives of the session By the end of the session participants will: - Have a better understanding of the key challenges facing the free money advice sector Have had an opportunity to explore some of the issues likely to affect the sector in the future Be better able to contribute to the policy debate

4. Content 1.Five Years Time – a vision of the future? 2.Some questions about key issues and challenges 3.Group work 4.Feedback

5. Five Years Time Oh in five years time I might not know you In five years time we might not speak Oh in five years time we might not get along In five years time you might just prove me wrong Noah and the Whale

6. Key issues Prevention vs. crisis intervention Standardisation Delivery channels Regulation Independence

7. Group work

8. Feedback

9. Contact details David Hawkes Telephone 0300 777 0107 Mobile07932 963 701 Emaildavid.hawkes@adviceuk.org.uk Your thoughts and ideas will be gratefully received!