One of the biggest problems with UK financial regulation is that it is reactive, not proactive.

The dream of owning your own home is increasingly out of reach for millions...at least the pundits keep telling us that.

The FCA has quietly signalled the end to its Covid-friendly policies of patience, extended deadlines and generally a lighter touch.

Quietly and gradually the FCA is changing and not before time. 

I suspect more than a few lovers of red wine, myself included, winced when we heard the Chancellor planned to add the best part of 50p to a bottle.

I am not surprised by the findings of a new survey which suggests that the over-50s are cold-shouldering robo advice.

I was saddened this week, as I’m sure many of you were, to learn of the untimely death of veteran Financial Planner Carolyn Gowen at the relatively young age of 58, just a few months after she retired.

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

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.

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?