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.
I spend a lot of my working life in planes, trains and automobiles and what appears to be even more time in airport security queues, waiting at overcrowded boarding gates and platforms and stuck in endless traffic jams.
I have to say I like a good jigsaw puzzle but there is nothing more frustrating when pieces are missing. George Osborne's announcement on the 29 September on changes to defined contributions death benefits turned out to be just like that.
The last few weeks have been somewhat manic in the financial press.
It has been a tough couple of weeks for the SIPP industry.
Mr MacGillivray, also head of technical support at James Hay Partnership, will regularly be writing for the website and in his first article below, he explores the latest on pension liberation.