These days retirement can last 20-30 years and much can change over this period.

More and more people are also choosing to retire gradually rather than at a single point. This makes retirement a complicated process.

Despite this, we’re dedicated to keeping it simple. 

Early Years 

With more choice than ever before, understanding your client’s needs and aspirations thoroughly at the outset of retirement can have a substantial impact on their financial and emotional well-being as they begin their retirement journey.

Visit our early years retirement section > 

 

Mid Years

The decisions people make at the start of their retirement may no longer be in their best interests later in retirement. For example, death benefits become taxable at 75 and mortality drag increases. This means it's important to make sure your client’s financial situation is reviewed regularly.

Visit our mid years retirement section > 

 

Late Years

Almost two thirds of people aged 80 and over in the UK have a disability and an estimated 47% of those aged 75+ have a limiting longstanding illness. They need help to manage and protect their finances through this difficult period. 

Visit our later years retirement section > 



The pension freedoms gave people more options at retirement, but this can bring complications. More choice can make people indecisive. Worse still, it may lead people to make poor decisions.

Regulation is one way to protect consumers and the FCA has been exploring how to help people better prepare for retirement.




Learn more >


It's more important than ever to identify vulnerable clients and have processes in place to deal with their vulnerability. It's not always obvious when someone is vulnerable - vulnerability can take many forms.

Our vulnerable clients section covers the different types of vulnerability and how to recognise and deal with vulnerable clients.

Learn more >

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