The following letter from the Chief Executive of the Money Advice Service is an interesting read. http://www.moneymarketing.co.uk/regulation/letter-money-advice-service-has-a-clear-plan-for-the-future/1069794.article I hope the Money Advice Service meets its target for helping people who would not be able to afford the cost of paying for advice from independent financial advisors or Chartered Accountants. 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