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Make your mind up time

I refer to Robert Reid’s letter in Money Marketing on October 20. I am sure that all professional advisers, having now heard both sides of the argument, are capable of making up their own minds whether their clients should stay put, transfer now or transfer after A-Day. Or as Robert so ably points out, transfer now to an S32 and again to another S32 after A-Day. I reject Robert’s accusation that I “flog products”.

John Lawson

Head of pensions policy,

Standard Life,

Edinburgh

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