The Pension Freedoms were introduced in 2015 by Chancellor George Osborne and were hailed, at the time, as a “pensions revolution” and the biggest changes to pensions in a century.

At last we finally know who was to blame for all the faults in the financial advisory sector over the past 20 years - it was the appointed reps all the time. Or was it?

The FCA, finally, is putting on its big boots in an effort to intervene much sooner when it spots the regulatory bad boys trying to rip off savers.

Social media can be a curse as well as a blessing, as people are now realising.