This document provides updates from an independent financial advisory firm on recent changes in the financial industry. It discusses: 1) The introduction of new pension freedom rules in the UK, which were well-received as they provide more flexibility in how pension benefits can be taken. The firm has acquired a new planning tool to help clients understand their options. 2) Continued global market volatility in 2015 and the importance of reducing investment risk. The firm's wealth management service addresses this. 3) The impact of auto-enrollment legislation on small employers and the firm's development of a low-cost workplace pension scheme for clients who own businesses. 4) Introductions for the financial advisors at the firm and