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It is no surprise that the pandemic has nudged, encouraged and, to be fair, forced quite a few people to rethink their retirement plans.

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FCA CEO Nikhil Rathi will have given recent critics of the regulator much of what they have demanded in his high profile Business Plan launched this week to much coverage.

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The Personal Finance Society has always been something of a problem child for its parent the Chartered Insurance Institute.

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It was good to get away last week for a break to sunny Devon, beating the G7 hordes heading to the South West. 

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Clients are getting older, on average. It’s an inescapable fact that I was reminded of this week with the launch by St James’s Place of its Care Concierge service, aimed particularly at clients over-80.

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During a call with a client last week, I was reminded again of the dangers of unregulated investments. The client explained that his good friend had lost £120,000 to a Bitcoin scam. 

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Whenever I hear of a new regulatory initiative designed to crack down on rogues or bad practice I always resist the temptation to cheer straightaway.

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Consumers just do not trust financial services firms, that’s the long and the short of it.

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