Three things your clients may call you about this week …

Is now the worst time to be retired? Should you happen to have wanted your spirits dampened over the sunny July weekend, you need only have clicked on this Telegraph article, which responds with an emphatic ‘yes' to the question posed by its headline.  The piece focuses on the ability to generate a healthy income in retirement, as opposed to any metric of happiness or fulfilment, and blames the financial crisis, low gilt yields and the decline of defined benefit pensions for the tough times pensioners are now suffering. Indeed, Quilter has compiled some data for the Telegraph's ‘Mon...