Forging closer relationships

However, Bob Bullivant points out there are several pitfalls advisers will need to avoid. I have long been fascinated by at-retirement planning – it seems to me it is a real opportunity to show a client an immediate benefit – more income for life rather than a promise that if all goes well their investments or pension fund will be worth megabucks. It is this immediacy of the difference a good adviser can make that, for me, makes at-retirement planning so satisfying. The first point to make is that before you get anywhere near placing the annuity you need to examine the ceding scheme w...