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Pensions Bill

I also support the amendment. I declare an interest as president of the PPI and a trustee of the Resolution Foundation. It is perfectly possible to give this kind of advice, but I dislike ““generic”” because I think that the word is misleading. It is advice which, in many ways, is cautionary and will stop people making mistakes.As has been mentioned, the Resolution Foundation proposal deals with people primarily who are in work but earn less than average earnings. These people are very vulnerable. In this country there is always a group just above benefits which suffers. It is inevitable with tapers and so on that you will get a group of people who have got a little too much to receive benefits of any kind. These people are very much in need of advice but tend not to go to IFAs. I agree with my noble friend Lady Howe; I hope that any scheme could work through organisations that have done a great job in giving people advice so far—of which there are many in this country, particularly the CAB—but we will have to wait for the outcomes of the review to know exactly how it would work. However, there is a very strong case for this kind of advice and the amendment would ease the way to ensure that it happens.