This report is the second in a series of five annual monitoring reports commissioned by the Friends Provident Foundation to measure changing levels of financial inclusion in Britain. We have seen some signs of economic recovery in the last year but has this had an impact on levels of financial security and financial inclusion? This research monitors these levels to highlight key trends here. In order to provide a comprehensive picture, this report takes last year’s report as a framework and updates figures, where available, to give the most recent data and trends. It also includes a new chapter on pensions. Where new data is not available some figures are reproduced from last year’s report to provide a comprehensive picture.