Workers in serviced offices in Edinburgh could be among the people that are said to find it difficult to understand the current pension system.
Anna Sofat, chief executive of financial planning and wealth management firm Addidi Wealth, noted that, since pension simplifications were first brought in during April 2006, "the continuous changes have been anything but simple".
She pointed out that public sector workers, who have generally "not had to worry too much about their pensions", will now need to consider how they will finance their retirement more carefully due to alterations to lifetime and annual allowances.
Therefore, there is still "quite a bit of confusion" among these individuals, the expert concluded.
Her comments closely relate to research recently undertaken by Hymans Robertson, which found that 22 per cent of public sector workers do not know that the pension reform will result in them working for longer and only 11 per cent accept the changes.
