Hello goodbye

Look back at 2008 and you'll see a year where the retirement industry continued to grow, SIPPs continued their meteoric rise and the Retail Distribution Review ushered in fundamental changes to advisers' business models. However, overshadowing all of this are the tumultuous investment markets that have seen the size of peoples' pensions pots diminish, forcing them to rethink their retirement plans. So as we look towards 2009 what can we expect for the retirement planning industry? "The main thing to come out of the events of the past year is that things we took as certainties have now b...