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Devising the best investment strategy for clients is a complex process. James Davies looks at the decisions advisers will need to make

Putting in place an appropriate investment strategy is never easy, but the retirement planning process presents its own unique challenges. Retirement is one of the most life-changing moments in a person's life and planning for it is one of the most important financial processes a client will make. However, rather than cause concern, this should create some excellent opportunities for clients and advisers to explore appropriate financial strategies. First, however, we should be clear that we are talking about the overall 'investment' strategy and not simply the choice of product or wrapper...

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