Most people approaching retirement choose between two solutions which are in many ways polar opposites, a lifetime annuity or flexi-access drawdown. While both play a key role in retirement planning, the idea of a single product for life is increasingly irrelevant. 

Given that income needs are likely to change during retirement, retirement plans should be frequently reviewed and all assets should be considered in meeting your clients’ objectives.

Below 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.