‘My wife can’t use a bank account,’ say accused fraudster

A financial adviser accused of persuading pension holders to transfer more than £20m into risky investments told a court: ‘I didn’t join a criminal enterprise.’ Rikki Nicholls, 56, and Mark Kelly, 51, convinced 285 victims to move their pension plans to their company PCD Wealth and Pensions (PCD) between 2006 and 2008, jurors have heard. The pair are also charged with laundering the proceeds of the scheme through bank accounts held by their wives, Sharon Nicholls, 57, and 54-year-old Angela…