Retirees using annuities has dropped from 19% last year to 17% this year
Only 58% of people who say they have a disability have a pension pot
Only 5% of respondents reported seeing a financial adviser regularly
'Important not to let the tax tail wag the financial planning dog'
Investment performance weakens
Requirement to ‘switch off’ funds
Wind up could push into 2023
ii says 'time to evolve'