As he enters his 75th year, one of the UK's leading SIPP and pensions experts John Moret, still working part-time in the pensions sector, has written a series of articles for Financial Planning Today reflecting on topics that have occupied him over the last 50-plus years. This is the fourth article in the series. Previous articles are available on Financial Planning Today by searching for 'john moret.'

The news of Hartley Pensions appointment of administrators may not have come as a huge surprise given the recent restrictions imposed on them by the FCA but I believe it is of great significance for the world of SIPPs.

In my last article I questioned just what is “fair and reasonable” when it comes to regulation. This was prompted by a recent FOS determination involving a complaint by a Mr T. against Rowanmoor Pensions.

In my article for Financial Planning Today earlier in January I questioned just how “fair and reasonable” are the decisions being reached by the Financial Ombudsman Service - particularly in relation to historic events involving SIPPs and SIPP investments.