This week's Personal Finance Society Annual Conference was a triumph over adversity, in more ways than one.

Regulation is expensive and getting more expensive, as most of you can attest.

The latest FCA data on complaints does not make comfortable reading for advisers and providers, particularly those involved in giving advice on pension decumulation and annuities.

Investors in St James’s Place can be forgiven for reaching for a stiff Scotch this evening - it’s been one hell of a day.