Just about every (so called) independent financial advisor I have ever spoken to has said that by the time I need state pension it will not be worth the proverbial state pot to pee in.

I am not saying its not true (state coffers may be empty) -
I just cant help feeling cynical about the place this guidance is coming from.

Labour have 100% refused to rule out taxing the state pension so might get shabbier soon

Responsibility Deficit Disorder is a medical condition. Symptoms include inability to be corrected when wrong, false sense of superiority, desire to share personal info no else cares about, general hubris. It's a medical issue rather than pure arrogance.

That is my understanding. I already pay tax on my private pension so when my state pension kicks in I will reduce the income from that by £11,500 to avoid paying more.

I think the issue is that many people just have a state pension to live on, and because the income tax threshold has not been raised for years, whilst pension have gone up, it is possible that they could pay tax in the future solely on their state pension.

Both parties are wriggling around on this, they know that taxing someone just on their state pension is a voting disaster but neither side wants to commit not to.

One more point

Finally someone worth voting for.

As he says, he wants reform to be the proper opposition to Labour.

The Conservatives need to cease existing.

Sex Panther 60% of the time it works every time