The move to Strong Customer Authentication in the online financial world is a topic few are getting excited about but it will change life profoundly for most people in the UK.

Over the past 10 years I’ve seen too many governments treat pension savers, particularly middle to high earner, as tax-dodging lepers.

The latest Investment Association figures, covering fund sales in the second quarter, reveal some interesting movements but also highlight the blunders mainstream investors make over and over again due to the herd instinct.

We’ve just published the key findings from our annual Financial Planning Survey in the latest edition of Financial Planning Today magazine.