One of the most notable years for me was 1963. Jennifer and I had just bought our first house for the princely sum of £1,400, which back then seemed an awful lot of money.
Brains, a willingness to learn and the desire to work as part of a team are key qualities firms are looking for as they seek to identify the next generation of financial advisers, writes Hannah Godfrey.
As regular readers of this column will know, I have campaigned for more than two decades for the regulator to radically change how the FSCS is funded.
As this is my first column for about seven weeks it will be a very personal one and I would like to start by thanking the many hundreds of financial advisers and others in our great profession who have sent messages of condolence and support to me on the sudden loss of my beloved wife, Jennifer.
Existing training providers have seen their funding slashed while advice firms have to wait longer to register their employees for apprenticeship schemes.