Scottish Widows launches retirement guide for advisers

The Centralised Retirement Proposition guide covers the 'at retirement' and 'in retirement' stages when a customer decides to draw down their savings. Scottish Widows said the guide is designed to be a thorough overview of the entire subject of retirement income planning. The guide offers an overview of the elements that make up the planning process broken down into: Retirement income fact-find: Understanding the client's income objectives, circumstances and financial situation; Risk assessment: The assessment of the client's ability and willingness to take risk matched to thei...