I was delighted to read that complaints to the Financial Ombudsman Service regarding IFAs has declined. http://www.moneymarketing.co.uk/regulation/fos-complaints-against-ifas-continue-to-fall/1051778.article I hope news like this will improve the image of the industry and more people will chose to use an IFA or Chartered Financial Planner to get their important decisions right first time.rnrnThis information is intended to provide a general review of certain topics and its purpose is to inform but not to recommend or support any specific investment or course of action. The tips may not apply, or be suitable, to everyone and you should contact us for advice if you are unsure whether this is the case.rn