Cast your mind back to 2035 - the year of the great blip. We had made great progress. All individuals, companies and legal entities held their accounts open to each other through the DigiChain.

There has been a growing, and somewhat contentious, debate among Financial Planners and Paraplanners recently about the fairest way to charge clients. Despite years of regulatory intervention in the advisory sector it remains a surprisingly grey area.

Even in these gender-fluid days I have to confess to being entirely male, as far as I know. This means that I will never truly experience what it feels like to be a women patronised by a man. I will never know what it’s like to be treated as a second class citizen by a financial adviser or mortgage broker.

Recently I’ve been thinking about the word ‘intentionality’. Some things just happen, but most of the time there is something or someone influencing an outcome. We can influence by accident, or we can set out to do something deliberately.