Following two years of economic and political turmoil, it is difficult to know what to expect next. Emergence from the recession or a false sense of recovery with worse to come? A change of government next year or perhaps a change of PM?

With the drying up of credit and changes to pension tax rules, the game has changed significantly for savers. But many products can still turn a decent profit

Educating employees about their pre-retirement options could ensure many more of them engage in pensions and save for their future

With consumers poised to act as judge and jury, the RDR has a long way to go before it is able to rebuild trust in the advisory market

Though smaller providers may struggle and regulation could impede progress, Sipps and wraps are joining forces to beat the recession

As defined benefit approaches its twilight years, innovations are under way to maximise the benefits offered by occupational savings plans

2012 will see immense change in the charging structure for advice, but the new style of remuneration can benefit providers, advisers and clients alike

As employers and providers shoulder the blame for retirement product ignorance, which options should the general public take note of?