I have to confess to being in two minds about the key announcement from the Government this week about the rise in National Insurance and dividend taxation, ostensibly to pay for social care.

In the race to rebrand, go digital, attract private equity, embrace artificial intelligence, adopt ESG - and all the other modern trends - it’s often forgotten that what really matters to most clients is for their provider or adviser to be around for the long term.

There is a lot more to Financial Planning than adding up numbers or inputting data into a cashflow modeller.

There are certain stages in life when Financial Planning advice is vitally important and one of those periods is the years leading up to retirement.