William Burrows: Is retirement advice art or science?

It is now more than five years since George Osborne fired the starting gun for pension freedom, which saw the biggest ever shake-up of retirement income options in the UK. A lot has happened in this time and, by now, most people will know what their options are - even if they may not appreciate the value of financial advice. There is, however, a big gap between knowing about the available options and making the right decisions - indeed, it is my personal view that it is simply too difficult for most people to make the right decisions without expert help. At each stage of the advice pr...