Graham Cross, managing director of Helm Godfrey, suggests how advisers can add value throughout the dramatic changes happening to the retirement landscape.
Retirement advice is an increasingly complicated discipline. Long gone is the era when defined benefit schemes were a ubiquitous part of the pension landscape. In those days, advice, if required at all, tended to focus on the aspirational aspects of what a person planned to do in retirement and how their finances could be best arranged around these goals. Fast forward 20 years or so and the reality is a lot starker. Many people are retiring into relative, if not actual, financial hardship. Even those who have saved into a pension their entire working lives are faced with perhaps 20 or...
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