This year marks three years since the introduction of the pension freedoms - what many believe was the biggest shake-up of the pensions market.
With those planning for or entering retirement no longer having to buy an annuity, there are far more options for advisers to help their clients consider.
The concept of drawdown may not be entirely new to advisers and providers but there have been some unintended consequences of providing people with more options to help fund their later years.
Has the freedom and choice regime helped to encourage more people to save for retirement, or has it simply created a far more complex pensions landscape?
How can advisers help steer their clients through pension freedoms to get the best possible outcome for them?
With so many still needing a guaranteed income for life, where does the annuity market fit in?
To answer these questions, FTAdviser has brought together a panel of experts, including Fiona Tait, technical director at Intelligent Pensions and Helen Morrissey, personal finance specialist at Royal London.
Jessica List, pensions technical specialist at Curtis Banks, also talks through some of the biggest changes to come out of the shake-up and considers where the industry can go from here.
Watch the FTAdviser On Air panel discuss the pension freedoms and answer the six questions below to earn approximately 30 minutes of CPD.