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It’s that time of year again when pension savings statements are being issued. They should have been issued by 6 October following the end of the relevant tax year, so will be sent out about now for the 2016/17 tax year.

In the run-up to pension freedoms people seemed to be speaking about pensions in a different way. There was new excitement over the removal of the need to buy an annuity (even though this had been the case for some time already).
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. 

People retiring today are having to cope with a 46% drop in their pension income compared to the money they could have expected before the credit crunch.
Standard Life has called for the partial transfer option to be a mandatory part of DB transfer advice.
Fixed penalties worth nearly £5million were issued to companies for failing to comply with auto-enrolment in the last financial year.
About 1.1million women are £32 worse off per week on average as a result of state pension age changes, the Institute for Fiscal Studies says.
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.
Potential scammers have targeted 1.8m people aged over 50 in the last three months, according to a new report.
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