Three things clients may call you about this week

  Gold-plated pensions? Clients interested in transferring out of their defined benefit pensions in order to have access to the new pension freedoms may have been surprised to read there are huge discrepancies in how much people are offered for their guaranteed income. An article in the Telegraph Money suggested some offers were particularly generous, requiring little investment returns to obtain the same benefits as promised by the DB scheme. For instance, some firms would swap an annual income of £30,000 for £900,000 in cash, whereas other firms would buy back the same income fo...