Acknowledgements

This book would not have been possible without the patience of the literally hundreds of financial advisers, tax specialists, provider representatives and other experts who have explained the intricacies of the UK pensions system to me over the years. Particular thanks go to John Lawson, head of pension policy at Standard Life, for his keen-eyed proofreading and his perceptive suggestions and criticisms.

Thanks are also due to Mike Morrison at Axa Wealth, Tom McPhail and Mark Dampier at Hargreaves Lansdown, Billy Burrows at William Burrows Annuities, Chris Curry at the Pensions Policy Institute, Billy Mackay at Skandia, Richard Jacobs at Richard Jacobs Pension & Trustee Services, Amanda Davidson at Baigrie Davies, Robert Graves ...

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