One of the biggest problems with UK financial regulation is that it is reactive, not proactive.

Want some good news for a change? SIPPs. Apart from the small number of toxic ones SIPPs, since their launch over three decades ago, have been a major and often unreported success story.

As we’ve reported this week, some Unite union members at the FCA have staged a two day walkout, believe to be the first strike action in the regulator’s history.

I must confess to having been rather negative about the so-called social media influencers or ‘finfluencers’ as some call them.