Family with bubbles

How a Midlife MOT can strengthen your client relationships

Your client’s midlife can be an exciting time. That’s why we’ve created our Midlife MOT with The Open University.
Backing your brilliance

Build your business with our ‘Backing your brilliance’ campaign
House in the country

Why RIO? Interview with an adviser

To understand the experience of advising on a Retirement Interest Only Mortgage (RIO), we spoke to Phil Small of HQ Mortgage and Finance.
Adviser with clients

Make your lifetime mortgage business a success

Steve Kibler, an equity release adviser from Penvest, shares insight on how to spot new opportunities in the lifetime mortgage market to successfully build your business.

Couple moving

Five ways equity release can help first-time buyers

More than half of first-time buyers said raising the funds for a deposit was by far the biggest barrier to homeownership.
Houses birds side view

The rise of the asset-affluent
Man looking out

Why pension equality’s a big challenge when couples divorce

We talked to pensions and divorce expert Debora Price, Professor of Social Gerontology. She’ll help us explore why pensions can be so challenging when people are divorcing and how you can help them make better decisions.
Man with keys

Lifetime mortgages: a solution for clients going through a divorce?

Later life divorce can significantly impact your client’s retirement fund. Find out how lifetime mortgages could help ‘silver separators’.
Women with grandchildren

Cascading wealth with a lifetime mortgage

Lifetime mortgages are a growing market. Find out how families can benefit from equity release.
Rings on table

Divorce in later life

Later life divorce has risen by 64% since 1990 and shows no signs of slowing down. In fact, now one in four divorces occur after the age of 50.
The true cost of divorce

The true cost of divorce

We’ve highlighted the key facts and figures around divorce to support your conversations with clients and professional connections.
Women walking to estate agents

Making local connections that work
Women with blue background

Finding financial fairness: supporting women in later life divorce

It’s often women who feel the financial burden from a later life divorce. How can advisers help women find financial fairness?
Couple walking

Could property wealth replace a pension?

While many people’s retirement income will be provided by their pension, we consider why using property wealth could be a tax efficient alternative for your clients.
Divorcing couple with adviser

Supporting your clients through a divorce in later life

More retirees than ever are choosing to separate in later life, which can have a huge impact on financial wellbeing. We explain how advisers can support clients through the divorce process and help them reach the best outcomes to embrace a fresh start.

Longevity: The hub of retirement planning
Man with child

Considering lifetime mortgages in estate planning

Estate planning with the family home has traditionally been difficult. We discuss how lifetime mortgages could provide an alternative way to use property in Inheritance Tax (IHT) planning.
Family with an adviser

Cascading wealth: an adviser perspective

First-time buyers need more help than ever to get on the property ladder. Equity release adviser, Sally Jones, shares insight on how clients can cascade wealth with a lifetime mortgage.
Man on a bike

Managing retirement income in uncertain markets

In times of uncertainty, some clients may benefit from the security, peace of mind and flexibility that fixed term annuities can provide.
A couple with an adviser

A vision for retirement

We explore the multitude of solutions that are available and how they can be layered together for a better blend of security, flexibility and control.
Man with child

Leaving a legacy

How do you use a variety of assets to maximise the legacy a client can leave?
Women looking out

Physical and mental health in retirement
Couple on a beach

Patterns of expenditure

We consider the ways to build flexible retirement plans to help you provide financial security for your clients throughout their changing circumstances and expectations in retirement.
Family eating

Holistic retirement planning

We assess how retirement has changed, what this means for retirement planning and how a multitude of solutions can be layered together to help achieve your clients’ objectives.
Group of people

Lifetime mortgages: the 4 clients to consider

The relationship between a client and their financial adviser is one that will often last many years – even decades. If your client is coming up to retirement, it may be worth considering whether a lifetime mortgage could be right for them.
Couple on laptop

Navigating the transition into retirement
Couple moving

Is downsizing the only option?

Some of your clients may think downsizing is the only way to boost their finances in retirement. They may not realise a lifetime mortgage could help.
Adviser with clients

Helping your clients build and release equity

A relationship with a mortgage adviser could build over almost a lifetime - so why should this stop at retirement?
Women with grandchild

Your clients helping their grandchildren

With many young people struggling to get a foot on the property ladder - are more grandparents stepping into help?
Women with adviser

The flaws of averages

Are you and your clients ready for the twists and turns a longer retirement can bring? Our latest article highlights three longevity challenges that can impact retirement planning.
A group of people

Making lifetime mortgages work for families

Lifetime mortgages can help your client’s family too. Rob Miles talks about families and our new equity release ‘myth busting’ campaign.
Women with adviser

A guaranteed income with flexibility?
Couple with adviser

Fixed term annuities – for the unforeseeable future

Discussing how fixed term annuities can support a flexible approach to retirement planning whilst offering clients security and peace of mind.

Group of people

How financial choices impact wellbeing

Exploring the relationship between people’s financial retirement decisions and how these may be affecting their health and wellbeing.
Women with car key

Buying an annuity, or the latest mini-MPV?

Over 80% of consumers surveyed spend an hour or less a week actively managing their retirement finances. Only 53% could accurately describe what an annuity is.
Adviser with couple

How to get the best annuity rate for your client
Couple with adviser

Challenging perceptions on annuities

A survey of more than 2,000 over-55s highlighted that financial security is the primary focus for those coming up to, and in, retirement.
Couple moving

Should clients downsize to help grandchildren?

Clients now downsize to help their grandchildren get on the housing ladder, but should they?