Politicians have been urged to make one key New Year's resolution – to refrain from fiddling further with pension rules.
With a flurry of changes to pensions coming next year, Portal Financial, a firm specialising in retirement income, is calling for pensions to be left out of any games of political football ahead of the General Election in May.
Jamie Smith-Thompson, managing director at Portal Financial, said there had been enough change and implored MPs not to tinker any more, with the main changes set to take effect from April.
He believes the significant alterations already announced, including reforming the so called death tax and ending the obligation to buy an annuity, have left a large number of people confused about the options available to them.


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His firm argued that the Government's next step needs to be clarifying the choices people will have, including emphasising the guidance guarantee and importance of regulated advice.
He said politicians must not introduce further changes for political gain ahead of the election in May.
Mr Smith-Thompson said: "2014 has been one of the most significant years for pensions and we welcome the flexibilities that have been provided. "However, since the reforms were announced we have received enquiries from a lot of people who are unsure what the changes mean for them.
"We are imploring the politicians not to make further pension reform part of their election manifesto as this will create further and unnecessary confusion with the majority of the general public."