Professional Adviser's heroes and villains of 2014

You know it's been a good year - in some senses at least - when there's a scramble for heroes and seemingly few villains to choose from. First, a quick disclaimer: Informally, 'villain' can mean 'criminal', which of course is not what we're suggesting. Then again, informally, 'criminal' can mean 'shocking behaviour', which perhaps is. We'll let you decide. What we mainly mean is: this whole thing is a little tongue-in-cheek. The accolades below have been decided by the Professional Adviser editorial team with the not inconsiderable help of readers, whose suggestions were helpful but i...