There is no doubt that hanging up your jacket and finally retiring to a life of blissful days and ignoring the morning alarm clock has become more difficult over the last few years.

The Consumer Duty is just over three months old and it’s already developing muscle to push through reform of the wealth management and Financial Planning sectors, particularly on fees.

This week's Personal Finance Society Annual Conference was a triumph over adversity, in more ways than one.

Regulation is expensive and getting more expensive, as most of you can attest.