By Jack Mendel Shares in St James’s Place have spiked after the Financial Conduct Authority (FCA) has wrote to the heads of advice firms following a review into retirement income, as the watchdog painted a mixed picture. SJP has come under fire in recent months for overcharging customers, leading it to set aside £426m for the process of repaying them. However, it seems they were not the only one. The FCA said there were “examples of good practice” but also instances where “firms were not taking account of the needs of their customers”. While SJP have seen their share price spike 3.8 per cent t…