Difficult decisions: Pensions freedom technical issues begin to surface

I have been out and about talking to advisers quite a lot recently and although the pension reforms are generally well received, there are issues that advisers are coming across that mean their clients and probably many like them without an adviser are experiencing, which means they can't access the freedoms or are having to make difficult choices. One problem that I come across on a regular basis is that of scheme specific tax-free cash protection. As you will remember, the member did not have to do anything to register for this protection. The theory is that the scheme will keep ...