David Downie: Avoiding the pension advice pitfalls of age 75

Personal and planning milestone

clock • 5 min read

David Downie looks at four key areas of pension planning that become all-important once a client hits the big 7-5

The age of 75 is a milestone for pension savers and brings a range of implications for clients' money. None of these implications can be avoided completely, but they can be prepared for and mitigated with proper planning. It's a good idea for advisers have these conversations with clients as early as possible before the age of 75 to ensure they're not caught off-guard. Here are four key areas of pension planning that will be important to keep in mind. Selecting the right scheme Clients should be in a pension scheme that delivers against their specific preferences and gives them...

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 Pensions

Govt moves to tackle gender pension gap with LPGS scheme changes

Govt moves to tackle gender pension gap with LPGS scheme changes

Reforms follow consultation on access and fairness in the Local Government Pension Scheme

Jonathan Stapleton
clock 03 February 2026 • 2 min read
Britain's pension ambition is rising - just as cash resilience slips

Britain's pension ambition is rising - just as cash resilience slips

'2026's 'pension resolution' wave is real. But so is the cash-cushion squeeze'

Phillip Wickenden
clock 02 February 2026 • 6 min read
Government again rejects Waspi compensation after review

Government again rejects Waspi compensation after review

DWP: Creation of compensation scheme would be ‘highly impractical’ and ‘time-consuming’

Martin Richmond
clock 29 January 2026 • 3 min read