The choices clients make during the 5-10 years either side of retirement can decide how comfortable they’ll be once they stop working.

In fact, it’s such a distinctive stage in our financial lives that, among a growing number of advice professionals, it’s known as the ‘retirement risk zone’.

The data says – and you’ll know this yourself – that clients tend to become more risk-averse on their approach to retirement. Yet the likelihood of longer lifespans – and the costs associated with it – mean that ‘playing it safe’ could actually prove to be risky.

What’s more, persistent economic uncertainty and instability, not forgetting the FCA’s retirement income review exposing gaps in advice quality, means hatching a plan that helps clients swerve unnecessary risks around retirement has never been more important.

Zone in on the risks in one hour

In this online Assembly Connor Stewart from Standard Life joins host, Richard Allum, to explore the features of the retirement risk zone.

Together they consider the risks that can trip clients up – things like the shift from accumulation to decumulation, sequencing returns, and adapting to changing financial priorities in an uncertain world – before considering practical ways to tackle them.

Tune in now

Listen and you’ll hear practical ideas to help guide clients through one of the trickiest phases of their financial lives. So how about it? Fancy zoning in on retirement risk? Then tune in now.

Useful links

Here are the links mentioned in this Assembly. Once you’ve watched or listened, make sure you tap the link to receive your CPD certificate (first link below).

Request CPD certificate

Connor's slides: retirement risk zone (PDF)

Vimeo: watch video of this Assembly (without Chat)

Crowdcast: watch the Replay (with Chat)

Annuities essentials: part one

Annuities essentials: part two

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