The end of the beginning

Decisions made in the early years of retirement should be reviewed regularly throughout retirement.

Health may deteriorate, spending patterns change and marital status redefined. Legislation and the investment environment might look quite different too. These and other issues give rise to a need to regularly review decisions taken years earlier.

The choice of products also needs to be reconsidered. The attractiveness of a guaranteed income for life increases with age, so too does the amount of money that can be raised from releasing equity in the home. Even if the client remains in drawdown, asset allocation, income levels and fund choice should all be reassessed from time to time.

Only a regular review process can make sure your clients are well equipped throughout retirement.

Vital signs - mid years retirement
Have pension reforms given financial planners fresh opportunities to help clients at retirement and for many years afterwards?


Sustainability of income
The risk of running out of money during retirement...


Why critical yields matter
With more people choosing drawdown these days, it's important to monitor critical yields throughout retirement.


Drawdown revisited
The suitability of drawdown should be regularly reviewed. We identify the factors that can influence whether to remain in drawdown or consider alternatives.


Mid retirement review
A step-by-step guide to the main components to be considered in a mid retirement review.

Retirement hierarchy of needs
Understand your clients’ income needs in retirement and how to align different types of income with specific expenditure.

Equity release
Equity release can play an important role at each stage of retirement and is becoming increasingly popular with retirees.

Vulnerable clients
It’s important to identify vulnerable clients and develop processes to protect and safeguard their interests.

Video: Mid retirement (external website)
Our video looks at the triggers that might result in an exit from drawdown and the role of a guaranteed income for life when assessing suitability for drawdown.