How to change up the tune of pension messaging

Imagine retirement and the vision of a stock-picture-perfect grey-haired, blue-eyed couple strolling along the seashore washes into your brain. I don't know about you but the retired folk I know generally do not look like the professional models in thousands of photographs companies use to illustrate their retirement services. And the theme tune to accompany their idealised coastal ambling? ‘Shiny Happy People' by American rock band R.E.M would be the obvious choice but not the right one. It has always been a struggle to convince people to be more interested in how to pay for tomor...