There has been much talk lately about how Financial Planners can spot and work with vulnerable clients.

It’s been an accepted wisdom over the past few decades that we are all living longer, at least as a nation. That’s now being tested.

First things first: Happy New Year. I hope it’s a good one for you, your business and your clients.

Picture the scene: a moderately busy suburban branch of a High Street bank in early 2015. A motor cycle courier arrives. He is carrying a large bin bag full of cash, the wads carefully wrapped.