If you’d told me 10 years ago that Paraplanners would don warpaint once a year and happily gather to chew over technical issues in a giant teepee in Northants I might have suggested you’d been smoking the peace pipe a bit too long.

Until now Financial Planners have treated the threat from robo-advisers as a limited one - and they have been right to do so - but that attitude may need to change, according to a recent report.

There is a common mis-conception that Defined Benefit transfers are the scourge of society, an inherent evil that must be stamped out. This is far from true.

“Will you still need me, will you still feed me. When I'm 64.”