From the blog: Defined contribution investors face risks and challenges both at and in retirement, against the backdrop of the widening UK advice gap and the lack of any reference framework by which to gauge what is feasible and realistic. 

I therefore jumped at the chance when Michelle Cracknell, chief executive of the Pensions Advisory Service, invited me to see the call and web chat arm of its core service Pension Wise in action at their offices in Victoria.

During my visit, three things struck me. 

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