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For someone who's been involved with the Sipp market since its inception 2014 by any measure was an extraordinary year – and a year of considerable contrasts.

The Pensions Minister is set to be grilled by MPs in Parliament on Monday as part of an ongoing inquiry into the progress made with automatic enrolment.
Three company directors have begun long jail terms after the first in a number of Serious Fraud Office cases to come to trial involving the mis-selling of investment products connected with Sipps.
Plans to allow the resale of existing annuity contracts increase the danger of people getting misled by fraudsters, a Sipp provider has warned.
The Financial Ombudsman Service is forecasting it will have to handle a significant rise in pension complaints in 2015/16.
A pensions expert believes an idea floated by Pensions Minister Steve Webb for the resale of existing annuity contracts will never work.
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