Dear Editor, Much has been written over the past year or so on the subject of income guarantees in retirement and, in that time, the market has seen the launch of a number of innovative products that have new ways of providing those guarantees. I believe that guarantees are popular with clients because they provide peace of mind and go some way to de-risk what they might otherwise consider to be uncomfortable situations. For the most part, the new products that have been launched have open and transparent structures and clear charges for the guarantees that they offer, yet the adviser...
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