Professional Adviser's Heroes and Villains of 2016

As we have already suggested in Three moments in 2016 that changed advice forever?, it has been a busy year in the regulatory space for sure - which may go some way towards explaining one unusual entry in our 'Heroes' list. As every year, we should offer a quick disclaimer - this feature is not intended to criminalise anybody. Not all our villains are ‘criminals' in the strict sense of the word - though one or two certainly are. Informally, of course, 'criminal' can suggest 'shocking' behaviour, which is what we are driving at. No doubt you will have your own views but here is what we...