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阅读题源 专业养老金顾问 英国的养老系统在较为完善的同时，也因为其复杂程度而催生了对养老金顾问 的需求。许多人在退休后不得不寻找顾问来帮助解决养老金问题，但又因为找 到合适的人的难度而想尽办法拖延寻找顾问的期限。今天，金融速读带大家来 看一看在英国，找养老金顾问到底有多难。 测试中可能遇到的词汇和知识： keen 愿意，希望 daunting 使气馁 rogue 无良的，欺诈的 UK pensions: how to hire an adviser （590 words） By Judith Evans As retirement looms, you resolve to take professional advice — only to discovera quandary: fromwhich of thevast array of 30,000UK registered advisers keen to take your custom? This puzzle has been faced by growing numbers of savers since the government reformed the pensions market by removing the requirement to turn savings into a secure income, offering a far greater choice in how to deploy a nest egg. That choice has driven up demand for advice. Unbiased.co.uk, an online directory, has seen a 20 per cent increase in searches for financial advisers compared with last year, according to Karen Barrett, chief executive. But choosingan adviser canbe daunting.JaneVass, head ofpublic policy at Age UK, says: “We know that people often put off using an adviser, even if they think they need one. “They’re worried about being charged commission, they feel they won’ tunderstand the charges, theywon’tfeel able tonegotiate or they don’ 资料来源：育明考研考博官网 t know how to compare advisers.” Those in need of advice may take some reassurance from the Retail Distribution Review reforms that took effect in 2013, increasing the qualifications required to register as an adviser — now equivalent to a certificate of higher education. They must regularly obtain a “statement of professional standing”, which certifies that they have kept their qualifications up-to-date and signed up for an ethics code. Under the changes, all advisers were banned from taking commissions on most financial products, removing the incentive to sell products that a customer may not need. Experts say this has led to significant progress