Hundreds of delegates are heading to Celtic Manor in Wales this morning for the Institute of Financial Planning annual conference.

Martin Bamford CFPCM will showcase his new Financial Planning film called Boom at 10.30am. It will be the first time it has been shown.
The AGM takes place at midday, then Chief executive Steve Gazzard CFPCM will give the opening IFP address at 1.55pm.
The first key note session will then occur at just after 2pm.
Doug Carter will speak about how businesses can keep their clients completely satisfied to ensure they stay with them in the long run.
The theme for this year is 'keep it real' with the aim to be providing tangible ideas that can be taken away to be used in daily business practice.
The organising committee has made a number of changes this year, including making the awards ceremony part of the Tuesday night gala.
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Partnership's chief executive Steve Groves will be a Key Note speaker, discussing the impact on retirement planning beyond April 2015.
Mr Gazzard said: "Our theme of 'keep it real' really sums up what this fantastic event is all about.
"It gives us the perfect opportunity to have open and honest debates and to focus on what's really important to clients and prospective clients as well as to the hundreds of Financial Planning professionals who will be attending."

• Don't miss our daily news coverage of the conference starting on Monday plus frequent news alerts via Twitter @fpm_online to keep you updated on all the conference news and keynote speeches. Watch out too for our special issue of Financial Planner magazine in mid-October featuring comprehensive conference coverage and an extended picture gallery.