Kirsty Anderson: Stress testing the cashflow model

When was the last time you reviewed your processes?

clock • 5 min read

Stress testing is a crucial element of a centralised retirement proposition, writes Kirsty Anderson. Here she outlines the key areas to test and questions to ask clients...

In a defined contribution (DC) pension, we all know that the risk ultimately sits with the client. But the responsibility of clearly demonstrating the associated risks and ensuring clients understand them sits firmly with the adviser.  When was the last time you reviewed your processes? And have you, as a firm, sat down and considered these in the context of cashflow modelling and stress testing your scenarios? Having a centralised retirement proposition outlines the approach your business will take. It demonstrates you have appropriate due diligence and governance in place while also...

To continue reading this article...

Join Professional Adviser for free

  • Unlimited access to real-time news, industry insights and market intelligence
  • Stay ahead of the curve with spotlights on emerging trends and technologies
  • Receive breaking news stories straight to your inbox in the daily newsletters
  • Make smart business decisions with the latest developments in regulation, investing retirement and protection
  • Members-only access to the editor’s weekly Friday commentary
  • Be the first to hear about our events and awards programmes

Join

 

Already a Professional Adviser member?

Login

More on Your profession

Advisers: Are you even taking your own advice?

Advisers: Are you even taking your own advice?

Exploring the expenditure consolidation conversation

Nick Ryan
clock 25 March 2026 • 4 min read
CISI welcomes 76 Certified financial planners

CISI welcomes 76 Certified financial planners

Number of UK CFP professionals continues to rise

Sophia Panayi
clock 24 March 2026 • 1 min read
'Nobody is big enough not to be bought'

'Nobody is big enough not to be bought'

Roderic Rennison on the future of deals in the advice industry

Isabel Baxter
clock 20 March 2026 • 1 min read