Supporting the wrap

It is quite rare these days for financial advisers to have clients retiring on a final salary pension after completing forty years service with the same company. Much more common is the client who, for whatever reason, wishes to stagger his retirement. This may be due to the fact that he cannot afford to retire completely because his pension is not going to be as much as he had hoped, and expected, only a few years ago. Alternatively, of course, the client may wish to carry on working but not necessarily five days a week. In circumstances where the client is reducing their working time, t...