Some 22% of advisers say they are uncomfortable with customers choosing not to follow their recommendations since pension freedoms were introduced in April 2015.

Insistent clients - those wishing to take a different course of action from the one recommended and demanding experts to facilitate the transaction against advice - are a "growing issue" as described by Metlife, who commissioned the research.
In a survey of 104 retirement and investment specialist advisers, 87% said they were worried that increased flexibility, as a result of pension freedoms, was leading to people making mistakes over their pensions.
Simon Massey, wealth management director at MetLife UK, said: "Advisers make recommendations and it is ultimately up to clients to decide what they want to do."
The most common concern involves consumers facing unnecessary tax bills, with around 93% of advisers wanting more clarity on tax rules.
Experts are also worried about clients running out of savings as a result of poor decision-making, Metlife said.
In a separate study involving more than 1,000 UK employed adults, 11% of respondents plan to withdraw all their savings, while 12% are considering turning their final-salary scheme into cash.
Massey is calling for the industry to develop products that meet customers' needs in the wake of pension reforms.
"It highlights the desperate need for more innovation in retirement income solutions that can deliver the combination of certainty and flexibility that is so important following the launch of pension freedoms," he said.