Stephanie Hawthorne
Stephanie Hawthorne is a freelance journalist and editor. For nearly 30 years she was editor of Pensions World. Before this she was deputy editor of Money Management. Follow her on Twitter at @HawthorneSJJ.
'Millions are heading towards a poverty car crash in old age'
Stephanie Hawthorne
![Stephanie Hawthorne](https://www.ft.com/__origami/service/image/v2/images/raw/https%3A%2F%2Fs3-eu-west-1.amazonaws.com%2Ffta-ez-prod%2Fez%2Fimages%2F1%2F8%2F5%2F9%2F1079581-7-eng-GB%2FStephanie+Hawthorne+New.png%3Fv1?source=ftadviser)
‘Chancellor’s list of urgent reforms for the next Budget’
Stephanie Hawthorne
![Stephanie Hawthorne](https://www.ft.com/__origami/service/image/v2/images/raw/https%3A%2F%2Fs3-eu-west-1.amazonaws.com%2Ffta-ez-prod%2Fez%2Fimages%2F1%2F8%2F5%2F9%2F1079581-7-eng-GB%2FStephanie+Hawthorne+New.png%3Fv1?source=ftadviser)
'Flexi-access pensions with 12% contributions could change the game'
Stephanie Hawthorne
![Stephanie Hawthorne](https://www.ft.com/__origami/service/image/v2/images/raw/https%3A%2F%2Fs3-eu-west-1.amazonaws.com%2Ffta-ez-prod%2Fez%2Fimages%2F1%2F8%2F5%2F9%2F1079581-7-eng-GB%2FStephanie+Hawthorne+New.png%3Fv1?source=ftadviser)
'Law on cohabitees is seriously behind the times'
Stephanie Hawthorne
![Stephanie Hawthorne](https://www.ft.com/__origami/service/image/v2/images/raw/https%3A%2F%2Fs3-eu-west-1.amazonaws.com%2Ffta-ez-prod%2Fez%2Fimages%2F1%2F8%2F5%2F9%2F1079581-7-eng-GB%2FStephanie+Hawthorne+New.png%3Fv1?source=ftadviser)
'Cash is hugely important to UK economy'
Stephanie Hawthorne
![Stephanie Hawthorne](https://www.ft.com/__origami/service/image/v2/images/raw/https%3A%2F%2Fs3-eu-west-1.amazonaws.com%2Ffta-ez-prod%2Fez%2Fimages%2F1%2F8%2F5%2F9%2F1079581-7-eng-GB%2FStephanie+Hawthorne+New.png%3Fv1?source=ftadviser)
'Engagement and overhaul needed to sustain a decent state pension'
Stephanie Hawthorne
![Stephanie Hawthorne](https://www.ft.com/__origami/service/image/v2/images/raw/https%3A%2F%2Fs3-eu-west-1.amazonaws.com%2Ffta-ez-prod%2Fez%2Fimages%2F1%2F8%2F5%2F9%2F1079581-7-eng-GB%2FStephanie+Hawthorne+New.png%3Fv1?source=ftadviser)
'A battle royal looms over the defined benefit pension sector'
Stephanie Hawthorne
![Stephanie Hawthorne](https://www.ft.com/__origami/service/image/v2/images/raw/https%3A%2F%2Fs3-eu-west-1.amazonaws.com%2Ffta-ez-prod%2Fez%2Fimages%2F1%2F8%2F5%2F9%2F1079581-7-eng-GB%2FStephanie+Hawthorne+New.png%3Fv1?source=ftadviser)
'It is time to stop arbitraging between RPI and CPI and standardise benchmarks'
Stephanie Hawthorne
![Stephanie Hawthorne](https://www.ft.com/__origami/service/image/v2/images/raw/https%3A%2F%2Fs3-eu-west-1.amazonaws.com%2Ffta-ez-prod%2Fez%2Fimages%2F1%2F8%2F5%2F9%2F1079581-7-eng-GB%2FStephanie+Hawthorne+New.png%3Fv1?source=ftadviser)
'Pensions: time for a few new year's resolutions'
Stephanie Hawthorne
![Stephanie Hawthorne](https://www.ft.com/__origami/service/image/v2/images/raw/https%3A%2F%2Fs3-eu-west-1.amazonaws.com%2Ffta-ez-prod%2Fez%2Fimages%2F1%2F8%2F5%2F9%2F1079581-7-eng-GB%2FStephanie+Hawthorne+New.png%3Fv1?source=ftadviser)
It is time for a halfway house of foundation advice serving ordinary workers
Stephanie Hawthorne
![Stephanie Hawthorne](https://www.ft.com/__origami/service/image/v2/images/raw/https%3A%2F%2Fs3-eu-west-1.amazonaws.com%2Ffta-ez-prod%2Fez%2Fimages%2F1%2F8%2F5%2F9%2F1079581-7-eng-GB%2FStephanie+Hawthorne+New.png%3Fv1?source=ftadviser)
'Social care has been kicked into the long grass too many times'
Stephanie Hawthorne
![Stephanie Hawthorne](https://www.ft.com/__origami/service/image/v2/images/raw/https%3A%2F%2Fs3-eu-west-1.amazonaws.com%2Ffta-ez-prod%2Fez%2Fimages%2F1%2F8%2F5%2F9%2F1079581-7-eng-GB%2FStephanie+Hawthorne+New.png%3Fv1?source=ftadviser)
'Financial services needs to seriously up its game with record-keeping'
Stephanie Hawthorne
![Stephanie Hawthorne](https://www.ft.com/__origami/service/image/v2/images/raw/https%3A%2F%2Fs3-eu-west-1.amazonaws.com%2Ffta-ez-prod%2Fez%2Fimages%2F1%2F8%2F5%2F9%2F1079581-7-eng-GB%2FStephanie+Hawthorne+New.png%3Fv1?source=ftadviser)
'Northern Ireland police leak highlights importance of boosting cyber security'
Stephanie Hawthorne
![Stephanie Hawthorne](https://www.ft.com/__origami/service/image/v2/images/raw/https%3A%2F%2Fs3-eu-west-1.amazonaws.com%2Ffta-ez-prod%2Fez%2Fimages%2F1%2F8%2F5%2F9%2F1079581-7-eng-GB%2FStephanie+Hawthorne+New.png%3Fv1?source=ftadviser)
'Bring back the 25-year fixed rate mortgage'
Stephanie Hawthorne
![Stephanie Hawthorne](https://www.ft.com/__origami/service/image/v2/images/raw/https%3A%2F%2Fs3-eu-west-1.amazonaws.com%2Ffta-ez-prod%2Fez%2Fimages%2F1%2F8%2F5%2F9%2F1079581-7-eng-GB%2FStephanie+Hawthorne+New.png%3Fv1?source=ftadviser)
'Industry needs to get better at addressing mental health'
Stephanie Hawthorne
![Stephanie Hawthorne](https://www.ft.com/__origami/service/image/v2/images/raw/https%3A%2F%2Fs3-eu-west-1.amazonaws.com%2Ffta-ez-prod%2Fez%2Fimages%2F1%2F8%2F5%2F9%2F1079581-7-eng-GB%2FStephanie+Hawthorne+New.png%3Fv1?source=ftadviser)
'Customer service is vital to business success'
Stephanie Hawthorne
![Stephanie Hawthorne](https://www.ft.com/__origami/service/image/v2/images/raw/https%3A%2F%2Fs3-eu-west-1.amazonaws.com%2Ffta-ez-prod%2Fez%2Fimages%2F1%2F8%2F5%2F9%2F1079581-7-eng-GB%2FStephanie+Hawthorne+New.png%3Fv1?source=ftadviser)
'The current pensions system is not fit for purpose'
Stephanie Hawthorne
![Stephanie Hawthorne](https://www.ft.com/__origami/service/image/v2/images/raw/https%3A%2F%2Fs3-eu-west-1.amazonaws.com%2Ffta-ez-prod%2Fez%2Fimages%2F1%2F8%2F5%2F9%2F1079581-7-eng-GB%2FStephanie+Hawthorne+New.png%3Fv1?source=ftadviser)
'Pensions tax tinkering needs political consensus'
Stephanie Hawthorne
![Stephanie Hawthorne](https://www.ft.com/__origami/service/image/v2/images/raw/https%3A%2F%2Fs3-eu-west-1.amazonaws.com%2Ffta-ez-prod%2Fez%2Fimages%2F1%2F8%2F5%2F9%2F1079581-7-eng-GB%2FStephanie+Hawthorne+New.png%3Fv1?source=ftadviser)