Acknowledgements
We would like to thank the Department for Work and Pensions (DWP) for supporting this piece of research.
William Farbrother has been responsible for liaison between DWP and RS Consulting, has provided valuable support and guidance throughout the lifetime of this study and has ultimately ensured an efficiently run project. We would also like to thank William’s colleagues in the Enabling Retirement Savings Programme Research Team for their valuable contributions to this study.
Finally, we would like to thank the pension providers and intermediaries that have generously given their time to participate in this research. Whilst all of the participants in the study must remain anonymous, we hope they will recognise in the findings a reflection of the pensions market as they see it today, and of their expectations for the future.