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Much of my last 12 months has been spent touring the UK, talking to advisers about pension freedoms. Whilst I still have a few sessions to go, I’d like to share a few interesting findings with you.

We live in an instantaneous world – if I go on Amazon I can have my purchase with me the next day, banking can be done at the click of a mouse and bills can be paid without even getting up in the morning.

There's five months to go until the new pension freedoms are upon us and, with them, the change in death benefit rules.

I write this aware that this is truly a 'First World Problem', so to speak, but political risk is a huge concern for those currently involved in pension planning.

Having attended two excellent events in a week - a workshop by Enhance Compliance Solutions and an Infoline conference on Sipps - I thought I would reflect on the latest thoughts on capital adequacy calculations.

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