The following article is very sad read for those unfortunate people who have been ripped off with regard to their pension. http://www.bbc.co.uk/news/business-21387070 I hope the mentioned campaign to warn the public about these dishonest people that they should always consult a firm of independent financial advisors. I sincerely hope the authorities which include the FSA will hunt down these despicable characters and bring them to justice. I am also concerned that our industry will be liable for compensation.rnrnThis information is intended to provide a general review of certain topics and its purpose is to inform but not to recommend or support any specific investment or course of action. The tips may not apply, or be suitable, to everyone and you should contact us for advice if you are unsure whether this is the case.rn