Planning ahead for retirement

In the past, it was probably only those specialising in retirement income planning who needed to lift the bonnet and look inside at the mechanics of drawdown and understand how all the moving parts fitted together. Today, all advisers need to become drawdown mechanics…

Rules or discretion?

In such an uncertain world, working out how best to convert a pension pot into income is one of the most complex areas of financial planning. It is made even more complicated thanks to the many behavioural and technical issues to consider. So how do advisers work out the advice they give to clients?…