‘This has undoubtedly had a huge impact on planning for many clients’

Do not let caution cause inertia

'The problem is not that staff are trying to break the rules'

'Middle managers occupy a pivotal position'

Electrification has become a national security question

'Pensions are one of the few financial products where time is the single biggest driver of outcome'

Part four in the series...

'Employers will be expected to take all reasonable steps'

'The bigger shift is philosophical, not just structural'

This is a classic 'sledgehammer to crack a nut' response