Stimulating challenges

What lessons did you take from last year's thematic review of pension transfers? Were you shocked by some of the review's findings? Chinn: Although the fact that the FSA still found some bad practices in terms of pension transfers, I wouldn't say that the findings were a shock. Everyone is aware that pension transfers - particularly to flexible contracts such as SIPPs are complex. The lessons we can all take from the findings are to ensure that the advice provided looks not only at the customers' current needs but also how potential changes in circumstances may 'test' the advice in the fu...