With the changes to pensions and tax over the last few years, it would be easy for employers to still be running to catch up to ensure their pension provision and communications reflect the new world, wider choices and support needed.

Most larger employers will be on top of this or working towards it, but the bigger question is, are your employees on top of their pension in light of these changes? The answer for many employers is almost certain to be "no".

With the introduction of the LISA (Lifetime ISA), the Help to Buy ISA, the Innovative Finance ISA, the wider choices in pensions and the inevitable change in investment choices in defined contribution pensions in response to the freedom and choice, is it any wonder? And these choices sit alongside other benefits and the continuing pressures of budgeting, debt and savings, so it's clear that with more choice comes the need for more guidance.

In our November 2015 survey, 76% of employers felt it was essential that financial education was provided to all staff, not just those approaching retirement; it can provide that guidance and help employees to navigate their choices and make good, informed financial decisions.