LTC is an essential part of planning for later life

Could have to take further exams

Govt gives five million people ability to sell retirement income

CGT is as complex as it's always been

Many people think they will not have enough money to stop working

Providers will need to make strong case to keep variety of charges

Consultation closes on 22 December

Sustainability models need to be calibrated to today's world

'The phrase now seems almost inescapable'

Many workers moved to career average accrual this year