There was a welcome pledge from the FCA this week that it would strive to speed up enforcement action in future, despite the challenges. This is promising but I suspect it will be harder to achieve than they expect.

I’m prompted to ask the question posed in the headline after reading several recent surveys suggesting that, given a choice, most people do their very best to avoid taking financial advice.

Financial Planners play a unique role in the lives of their clients. For clients losing their planner, at some point due to retirement or exit, can be a challenging, unsettling time.