Most scammers find their victims, at least initially, online these days, whether it be through website ads or social media.

There is no doubt that new FCA CEO Nikhil Rathi is a much-needed breath of fresh air at the regulator but I’m beginning to wonder if there is more than a whiff of staff trouble at the regulatory mill.

If there is one 'engine' which has transformed the financial advice profession over the past 10 years it is the professional bodies. The 30th anniversary celebrations this week for the Chartered Institute for Securities & Investment reminded me of the incredible transformation of the sector in recent years and how much of that is due to the professional bodies.

One of the key roles of a Financial Planner is to assess clients’ appetite for investment risk. Selecting investments is nigh on impossible without this and a major industry has grown up around client risk profiling.