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Arguably the most significant date in the history of personal pension provision, 6 April 2006 - dubbed A-Day - saw the introduction of new legislation that swept away a web of complex regulations and replaced them with just one universal set of rules that apply to all.

The aim is simplification but for many, the effect will be to bring even more complexity. For those who have already accumulated a substantial pension fund, the recent radical change in the pensions environment represents an unprecedented opportunity for profit - and nobody could be better placed to offer expert advice on how to restructure your existing arrangements to take full advantage of the new regime than PFS.

Pension planning has always been at the heart of our wealth management strategy - and there can be no better time than now to discover why it pays to strategise with PFS.