Midnight on 31 December 2019 saw me enter my sixth decade of working in the pensions industry.

Gaudi, the SIPP and platform fintech business, has recruited three industry 'big hitters', including ex-AXA Elevate managing director David Thompson.

As we approach the end of another decade I have been reflecting on a subject dear to my heart – the evolution of the SIPP market.

I ended my last commentary by expressing concern for all senior managers working with SIPPs – whether as a provider or adviser – given the ongoing regulatory uncertainty particularly around the responsibilities for investment due diligence.