Bacon & Woodrow has called on the Government to allow Group Personal Pensions to qualify as stakeholder pensions in its response to the Green Paper.
Plans should be allowed to qualify whether or not they have the appropriate trustee structure.
The consultant also wants the Government to allow charges of more than one per cent for marketing and distribution costs including remuneration for IFAs.
It believes stakeholder should have a higher contribution limits for people with fluctuating incomes to allow them to pay more than the £3,600 limit on contributions.
It also recommends the Government shelve its plans for the second state pension in favour of restoring the basic state pension above the minimum income guarantee.