Time machine: what advice would you give your younger self?

  ‘The regulator is always wise after the event ' Simon Webster, managing director, Facts & Figures: Chartered Financial Planners • The regulator is always wise after the event - never before - deal with it! • It is only "safe" to offer vanilla advice. • Document everything in incredible detail - if it is not written down, it did not happen. When you think it is enough - do more because it won't be. • In the eyes of the regulator it is always your fault, so take every possible precaution to protect yourself. • Remember it is a lot harder to go wrong if you always put cl...