Layering solutions for a better blend of security, flexibility and control.
The world of retirement has radically changed – a carriage clock retirement no longer exists and a one product approach is no longer relevant.
As client expectations, aspirations and needs continually evolve, the retirement plans and solutions we build need to provide greater flexibility and security.
In these pages we’ll assess how retirement has changed, what this means for retirement planning and how a multitude of solutions can be layered together to help achieve your clients’ objectives.
The flaws of averages
Are you and your clients ready for the twists and turns a longer retirement can bring? We highlight three longevity challenges that can impact retirement planning.
Patterns of expenditure
We consider the ways to build flexible retirement plans to help you provide financial security for your clients throughout their changing circumstances and expectations in retirement.
Physical and mental health in retirement
Generally, people can expect to spend part of their years after age 65 in poorer health. We discuss the implications
Leaving a legacy
How do you use a variety of assets to maximise the legacy a client can leave?
A 2020 vision for retirement
We explore the multitude of solutions that are available and how they can be layered together for a better blend of security, flexibility and control.
It’s time to take another look at guaranteed income
Achieving good client outcomes in today’s world calls for more tailored and flexible retirement plans, but has the role of guaranteed retirement income fundamentally changed?
There are more than two sides to every retirement income story
Many people approaching retirement choose between a lifetime annuity or flexi-access drawdown. While both play a key role in retirement planning, the idea of a single product for life is increasingly irrelevant.
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Retirement has changed. Find out what this means for retirement planning and how a multitude of solutions can be layered together to help achieve your clients’ objectives.
Find out why a layered approach to retirement planning could benefit you and your clients.