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The RDR poses a threat to the stream of communication between IFAs, small business owners and their employees on pension schemes, an employee benefits consultant warns.

Many SIPPs recommended by IFAs to clients are not true SIPPs, George Ladds, head of investment and pension research at Fair Investment Company claims.

Almost three-quarters of pensioners with pots of less than £40,000 do not use the open market option, according to research from Partnership.

Standard and Poor's(S&P) has downgraded pension provider Scottish Equitable and warned on the restructure of parent company Aegon.

Just over half of small firms support auto-enrolment but 53% say it will "add significantly to costs", the ACA says.

A new system of collecting data proposed by HMRC could mean pensioners never have to pay emergency tax rates again, according to Standard Life head of pensions policy John Lawson.

HMRC must remove its lifetime allowance on pension savings if an annual limit is introduced or risk discouraging retirement saving, Skandia says.

Nearly half of under-50s admit they are not doing enough to prepare financially for their retirement.

How small businesses can create their own credit facility using a SSAS

The government is considering changing the way pension credit is calculated to encourage over-65s to stay in work.