Andrew Aldridge: Happy Christmas. Too early?

It may feel premature to mention Christmas while the summer is still in full swing. Yet each year, the signs seem to arrive earlier, whether that be supermarket shelves beginning to fill with festive treats, radio stations quietly reintroducing seasonal classics (The Pogues anyone?), and households starting to receiving those familiar school reminders about nativity costumes. While most people quite rightly resist the urge to think about December just yet, there is one seasonal ‘tradition' that financial advisers would do well to consider well in advance: the annual January rush to fi...