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It was good to see the Guidance Consultation from the FCA on the fair treatment of vulnerable clients that has recently been published.

There has been unprecedented change in the pensions industry in recent years and SIPPs have been no exception. 

The Financial Conduct Authority (FCA) is concerned about how pension freedoms are impacting consumers and quite rightly so, especially with regards to those accessing their retirement savings and not taking advice, putting them at risk of running out of money, or worse, being scammed.

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