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

Salary sacrifice change to 'hit' more than three million workers

Salary sacrifice change to 'hit' more than three million workers

Government releases impact assessment

Jen Frost
clock 05 December 2025 • 3 min read
Andrew Tully: Plummeting pensions confidence is 'siren call' for wide-reaching action

Andrew Tully: Plummeting pensions confidence is 'siren call' for wide-reaching action

'We're seeing a deep erosion of trust in the retirement system'

Andrew Tully
clock 05 December 2025 • 3 min read
When is a SIPP not a SIPP? Time for a terminology rethink

When is a SIPP not a SIPP? Time for a terminology rethink

'I would suggest that it’s time to review the use of the term SIPP,'

Caitlin Southall
clock 01 December 2025 • 4 min read