Financial Planning Today wishes all of our readers, advertisers, contributors and supporters a very Happy and Prosperous New Year in 2020.

I love this time of year. It’s a time for reflection and opportunity. It’s a time for resolutions and goal setting, with January viewed by many as a clean slate.

Scottish Widows has recruited Maria Nazarova-Doyle from Mercer to be its new head of pension investment propositions.

As we near the end of the second decade of the 21st century, it’s fair to say the technological advances so far this century have been astonishing.