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Regular readers may recall my Blog from last October, entitled “Cart before horse nonsense has to stop”, in which I berated the time it was taking to get legislation through Parliament, ratifying pension-related changes that had, in effect, already come into force (for example, applying for Fixed Protection 2016).

Many years ago (as some of the best stories begin) when I was working for Winterthur Life, I undertook a series of talks around the UK.
Pension scams come in many guises and cold calling is just one unwelcome activity that can easily target the vulnerable and lonely. 

Despite the current Brexit negotiations, the UK will forge ahead with the implementation of new data protection rules, which will see all previous legislation replaced.
I went into a meeting for only a couple of hours and come out to find out that for many the state pension age will be 68 rather than 67 as they were expecting, for me however there is no change – well not yet anyway.
I have just finished AJ Bell’s annual tour of the UK where a host of lucky advisers got to hear me talk about the current key pension issues.
The fall-out from a General Election inevitably involves a game of musical chairs; masquerading as a Parliamentary reshuffle.
The FCA this week revealed plans for changes on DB transfer advice, including scrapping guidance that the adviser should start from the assumption that a transfer will be unsuitable.
When Theresa May called a snap General Election in April, few would have envisaged the outcome resulting in a hung parliament and no Conservative majority.
As is to be expected, a lot of the conversations that I have recently had with advisers have centred around defined benefit (DB) transfers.
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