Can Nutmeg crack the financial services industry? Last week we caught up with Nick Hungerford , CEO of the new client investment management company Nutmeg .  We think this is a business with the potential to really disrupt the investment market for a number of reasons. Firstly it is positioned perfectly to take advantage of the Retail Distribution Review (RDR) , coming into force in 2013, which will make investors much wiser about the fees they are actually paying their advisors. Nutmeg offers a combination of total transparency and low fees thanks to its strategy of investing in the burgeoning Exchange Traded Funds (ETF) market.  Nutmeg has also tapped into the online banking and social media trends -- offering a slick user interface and backed by investors that include Tim Draper and Spotify board member Klaus Hommels. It was only a matter of time for social media technologies to start disrupting the financial services market and we've written about some of our predictions before .  We've seen interesting companies like Friendsurance using a peer-to-peer model  - combining social networks with insurance services -- to lower premiums and Polish bank Alior Sync enabling customers to make financial payments through Facebook. Q: What was the inspiration for starting Nutmeg? A:  I'd been working in Financial Services for 7-8 years and I always found it remarkable that even though finance and investment is applicable to everyone regardless of wealth, private banks only deal with the extremely wealthy. Friends/family would ask me for help