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<p><strong>At Budget the government announced a new guarantee that everyone with a
defined contribution pension will be offered free and impartial face-to-face guidance
on their financial choices in retirement when they retire. </strong><strong>The government
is consulting on how best to deliver this guidance as part of its consultation</strong><strong>,
‘Flexibility and Choice in Pensions'.</strong></p><p><strong>In addition, the government
will work with the FCA to explore the extent to which regulated advice can be made
more affordable through more cost effective delivery, such as through the development
of online delivery channels. </strong></p><p> </p>
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