In my two previous articles reflecting on my 50 years in the world of pensions and financial services I looked at current issues and challenges, focussing on what I saw as some of the dominant features of the financial landscape today: technology, complexity, (inconsistent) government policy, (increasing) longevity and the evolution of financial advice.

In my last article for Financial Planning Today - My 50 year career in pensions - I reflected on my 50 years in the world of pensions and financial services and commented on what I saw as some of the dominant features.

On 7 September 1970 (50 years ago today) I stepped into Sun Life’s offices at 107 Cheapside in the City of London for the first time and started out on a voyage of discovery in the world of pensions and financial services.

What a difference a couple of weeks can make. In my last article I asked just what is “fair and reasonable” in the context of recent Financial Ombudsman’s (FoS) determinations relating to SIPPs and specifically referred to one recent decision involving Liberty SIPP Limited.