Andy James, head of retirement planning, at Towry, does not want to see more changes when the Chancellor makes his statement on March 19.
He said: "Bad news for higher saving pensioners could be on its way.
"The Government is being pressurised by some to reduce the £1.25m lifetime allowance yet further, particularly in regard to the 25% (£312,500) of this that can be taken as a cash sum tax-free.
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"At current annuity rates, a £1.25m pension fund would only initially provide an individual with around £40,000 per year in terms of a rising retirement income.
"However, if you have individual protection on your pension savings, you will be able to maintain a personalised lifetime allowance of the value of your pension savings as at 5 April 2014 up to £1.5m."
He said it would be good news, however, if the triple-lock guarantee – which says the basic state pension will annually rise by inflation, average earnings or 2.5 per cent – beyond this Parliament, is confirmed.
He added auto-enrolment and the simplified flat-rate state pension policies still need time to bed in.