I’ve often wondered exactly how many people regularly use an IFA and now we know - it’s about 8%, at least of the key so-called Generation X segment of the population, the important 39-54 year-olds.

I remember a few years back when I worked at another media business that we had a presentation from a senior bod about the exciting technological future awaiting the company.

Just before Christmas I suggested that the FCA needed a new direction post-Bailey. It may already have found one although it is clearly not the direction everyone wants.

A very Merry Christmas to all our readers, advertisers and supporters from Financial Planning Today.