Nearly nine out of ten people receiving advice are 40 and over while almost three-quarters of clients are over 50, according to a study by adviser fintech Intelliflo.

New research from industry data provider Defaqto has revealed that four hybrid advice 'trailblazers' are beginning to help bridge the pensions advice gap.

In this Guest Column for Financial Planning Today, Ilana Miller, investment lead, distribution at Royal London, looks at some potential answers to the advice gap.