Article preview: The introduction of ‘pension freedoms’ in April 2015 gave people across the UK full access to pension pots, without previous restrictions. But the low take up of advice or guidance following the introduction of this new pension legislation could be failing to meet the expectations or needs of consumers. That’s according to new research, which also suggests many ordinary older people are making risky decisions with their pension wealth; decisions they may regret in the future. The research forms part of a new paper commissioned by Age UK. It was written by independent consumer consultant Dominic Lindly, who looks at how retirement income products, customer support, and industry thinking has developed since the onset of pension freedoms.