I suspect readers of this supplement will have rather more refined leisure pursuits, but if you ever find yourself asked in a pub quiz how many pensions ministers Labour has had since coming to power in 1997, the answer is 11 – so far.

USP and its investors are set to benefit from product innovations and a fast-growing retirement market

As the retirement market expands, individuals are seeking bespoke solutions to maximise income throughout their later years

The downturn has jeopardised the pension pots of many people approaching retirement, but work is underway to develop products that allow greater flexibility for those looking to annuitise

The third way is a confusing concept to many advisers, but those who make it part of the process could hold the key to enhancing their propositions

A flexible but secure retirement income is the goal for all retirees, and a middle-way solution offering a guaranteed form of drawdown could be the answer for many

With innovative products joining the traditional annuities market, retirees may find a combination could hit the sweet spot

The future lies in flexible, tailored solutions that can adapt to the average retiree’s ever-changing lifestyle and protect against inflation

As the golden generation’s savings and investments take a massive hit, equity release could be a mainstream star in the making