So, Budget 2015 brought us another change to the lifetime allowance (LTA), with the proposal to reduce it from £1.25 million to £1 million. This now seems to be the pension policy of choice for at least two of the main political parties.
I write this aware that this is truly a 'First World Problem', so to speak, but political risk is a huge concern for those currently involved in pension planning.
At the time of writing the new pensions landscape is less than four weeks away. And yet quite remarkably no-one seems able to predict with any confidence just how pension savers will respond.
Sometimes you spot something a bit left field that makes you wonder about the wider implications and whether trouble is just over the horizon.
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.
2015 is a watershed for me. It heralds the end of one journey and the start of another. It's difficult to be precise but sometime around 6 April will probably mark the transition point.
In May 2014, Steve Webb, addressing the Treasury Select Committee, indicated that the Guidance Guarantee "would be fairly basic ... fairly rudimentary ... fairly general ... but enough to get people to the starting gate".
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.