I think we can all agree that any suggestion that in-specie pension contributions were a viable option for those who were asset rich but cash poor has now been revoked, even if the pensions tax manual (PTM) still implies that it could be possible.

It's true that not all Financial Planners are keen on the free, impartial and independent guidance service, Pension Wise. 

It was with a little fear, back in July, that I read the Public Accounts Committee’s proposal that HMRC should, within 12 months, evaluate the impact of pensions tax relief.