Forgive me Mr Orme but I believe it is the FSC in Gibraltar, the FSA preceded the FCA in the UK, so that is very confusing to the reader. In any event, your company may be registered but how are you regulated and what is the client protection , indemnity insurance and compensation scheme ? You have not explained what you mean by a level 4 adviser either. I agree a huge amount of investment value has been lost but exactly how would you propose to recover it without taking even higher risks ? That is pure logic and the poor souls trapped in pensions are in an even worse situation. Please do not give false hope.

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