Making employers aware of their duties and employees aware of their responsibilities to save for their own retirement is not just the job of advisers - it is incumbent on all: providers, employers and government.

However, good financial advice does have a specific role to play in getting employers on-side and able to communicate better with their staff, as well as engaging employees of all ages to empower them to get on track for a comfortable retirement.

This guide aims to discuss how government changes have helped to boost workplace pensions; what more is needed to get employers and employees to wake up to the need to save; and what advisers can do to earn appropriate levels of remuneration in the low-margin world of workplace pensions.

Contributors to this guide: Peter Glancy, head of industry development at Scottish Widows; David Trenner, technical director for Intelligent Pensions; Derek Robertson, managing director of Central Investment; Dale Critchley, policy manager, Aviva; Gavin Perera-Betts, executive director of product and marketing for the National Employment Savings Trust; Chris Daems, director of Cervello Financial Planning; David Harrison, managing partner of True Potential; Tim Gosling, policy lead for defined contributions at the Pensions and Lifetime Savings Association; Mike Morrison, head of platform technical for AJ Bell; Andy Kirby, managing director of the Pensions Portal; Kate Smith, head of pensions at Aegon; and Henry Tapper, founder of the Pensions Playpen.