Lawrence Cook: How optimal is your clients' retirement strategy?

Last year marked a period of major change for the retirement income market, with decumulation becoming a mainstream topic and a number of providers launching solutions aimed at easing the decision-making process. There is still much to learn about decumulation for it to flourish, however. To begin with, there remains a lot of work to be done around investment pathways - as the Financial Conduct Authority (FCA) pointed out in its recent Retirement Outcomes Review.  Advisers often cite the lack of innovation from providers for the difficulties, with the following drawing particular ire:...