The document discusses several topics: 1) The introduction of new pension freedom rules in the UK which gave clients more flexibility in how they access their pension benefits. These rules were well-received by clients. 2) Global market volatility in 2015 and the importance of reducing investment risk. 3) New auto-enrollment legislation that will require all UK employers to enroll their staff in a workplace pension by 2018. The company offers a low-cost pension solution for small businesses. 4) Introduces the team of financial advisors at the company.