When I was in my early teens Friday night was movie night at home. My brother and I would head down to Blockbuster Video and pick up a film to watch on VHS, often recommended by the guy behind the counter.

We would like to wish all readers, advertisers and supporters a very Merry Christmas from the team at Financial Planning Today.

When I switched from accountancy to financial advice in 1987 the landscape was dominated by a few very large salesforces.