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Tom Murray: he phasing-in of auto-enrolment over the next few years will bring a dramatic change to the long-term savings landscape in the UK. A vast increase in the numbers who are engaged with the financial services sector will occur; estimates range between five million and seven million new savers. This is a new and potentially lucrative market for advisers, given the scale of savings involved and the possibility of cross-selling to fulfil their other financial needs. However, it is difficult to see how this can be cost-effectively achieved using traditional approaches. Treating t...