A worrying case reported on last week by Financial Planning Today and widely read will reverberate for some time to come - and not in a good way.

The lessons from the British Steel Pension Scheme debacle will reverberate for a long time but I wonder if the recent criticism of the regulators is just another knee-jerk response to a financial mess which could well be repeated.

Financial Planners and advisers sometimes believe themselves to be part of an entirely honourable profession. The facts suggest otherwise but are a few bad apples ruining the whole bunch?

Well, who can believe that we’re already two weeks into 2019, and if the new year is going to continue at this pace, we’ll be at Christmas again, we’ll be wondering where the year went and why didn’t we get done all the things that we hoped to achieve.