• John Stopford is co-head of multi-asset, Investec Asset Management. Prior to this he was responsible for the management of Investec’s South African fixed income assets from 1998 to 2004.
• Ian Smith is director and chartered financial planner at Central Financial Planning. He has been an IFA for more than 25 years. Before this Mr Smith was regional organiser at the Institute of Financial Planning.
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• David Trenner is technical director at Intelligent Pensions. He has worked in pensions for more than 35 years. Prior to joining Intelligent Pensions, Mr Trenner was a training consultant at Scottish Life.
Myron Jobson is a features writer at Financial Adviser
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