And so as the dust settles on April’s seismic changes to the pensions regime what can the Sipp market expect from a new Government and new Pensions Minister.

At the time of writing the new pensions landscape is less than four weeks away. And yet quite remarkably no-one seems able to predict with any confidence just how pension savers will respond.

2015 is a watershed for me. It heralds the end of one journey and the start of another. It's difficult to be precise but sometime around 6 April will probably mark the transition point.

For someone who's been involved with the Sipp market since its inception 2014 by any measure was an extraordinary year – and a year of considerable contrasts.

I don't know about you but I'm becoming rather disillusioned with the SIPP market and the bad news stories that seem to be more regular and more alarming.