Skandia believes people should combine both fixed and individual protection to secure a larger pension pot and protect their savings.
The Financial Services Authority has published new guidance today which may mean advisers will be less able to recommend a pension transfer.
Rob Kingsbury talked to a variety of Financial Planner and asked them how they are using Sipps to provide a retirement solution across their client range, particularly for business owners.
The average retirement age has risen to 65 years for men and 62 years for women, according to the Office for National Statistics.
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