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People tempted to use their retirement savings to acquire a buy-to-let property are advised to weigh the tax implications carefully because money shelled out upfront to HMRC could prove a significant drag on returns.
Meanwhile, more workers will save into a pension as the roll-out of the Government's auto-enrolment scheme stretches to more companies.
Tax changes mean beneficiaries will be able to inherit a greater slice of a loved one's pension after death, and people will begin to find out how much they can expect to receive under the new 'flat-rate' state pension that begins in 2016.
It is unclear whether there will be age or other restrictions on people who want help, or limits on the length of face-to-face or phone sessions or how many you can have.
'It will be provided by The Pensions Advisory Service over the phone and online and the Citizens Advice Bureau face to face.