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Financial advisers and the rest of the pensions industry have faced two major challenges in 2011. These have been adjusting to fast-changing Government reforms and regulatory rules and navigating clients through an economy seemingly intent on punishing savers. I have resisted the temptation to talk about 2011 as being a year of unprecedented change because most of the radical reforms are open to tinkering by policymakers and it appears nothing is safe. The Government’s flagship automatic enrolment pension reforms have been pushed backed for firms with fewer than 50 employees until after the general election in May 2015. When I wrote a… continue reading