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I have spent a lot of time over the last few months speaking to financial advisers about the opportunities and risks created by the new freedom and choice in pensions due to come into effect from 6 April.

A specialist Sipp and SSAS firm believes those with money purchase scheme pensions will be losing out under the retirement revolution.
A final report on the 'failing' market for retirement income is being drawn up by FCA officials.
A pensions firm has called for the Chancellor to overhaul stamp duty rates for commercial property and says Sipps and SSAS could rejuvenate the high street.
Millions could be prevented from accessing the pension freedoms in April, actuaries have warned.
An investment platform services provider says it will be adding features to its Sipp wrapper to take advantage of the pension reforms starting in April.
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