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Research by Aegon has revealed that 64% of people had multiple pensions.
Aegon has called for the limit on Income Tax and NI relief on employer-arranged pension advice to be doubled.
Some 17% of financial advisers have changed their preferred platform in the last 12 months as dissatisfaction with service levels grows.
Aegon has urged the Government to clarify the potential impact of increasing the state pension age on the minimum age for pension freedoms.
Research carried out for the second anniversary of the pension freedoms has revealed major changes in pension saving with millions saving more but also being more realistic about their retirement pots.
As the world marks Equal Pay Day today, Aegon’s head of pensions Kate Smith says women are being hit by a double whammy on pensions and pay.
More than 9 out of 10 people are off course for the kind of retirement they aspire to, research from a pension firm suggests.

The Chancellor's Autumn Statement could herald further announcements about changes to pensions, annuities and the death tax this afternoon.

A complaint about a pension firm's failings, which began when a transfer to a Sipp was made, has been upheld by the Pensions Ombudsman.

Only one in three people expect to stop working completely when they retire and phased retirement will become the new norm, according to a consumer study for Aegon which also shows that few people have a formal financial plan for retirement.

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