The changing face of retirement income
Your clients’ retirement needs are changing. People are living longer and retiring differently, meaning retirement is no longer a one‑off moment, but an evolving process — bringing greater complexity and higher expectations for ongoing advice.
Our latest guide, The changing face of retirement income, brings together insight and practical support to help you prepare.
Inside, you’ll find:
- What's changing - and why it matters
- How retirement income decisions are evolving
- What this means for advice capacity
- What good looks like in practice, including key considerations across CRPs, IHT, wealth transfer, income solutions and technology
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Dynamic retirement planning needs choice and flexibility
There are as many retirement scenarios as there are clients; the key is being able to offer the choice and flexibility to put them into action. At any point client needs or goals may include a mix of:
Immediate needs
Cash and liquidity solutions
Accessible income with low to no volatility risk
Steady income and returns
Income generation solutions
Regular income or smoothed returns to underpin wider investment portfolios and support withdrawals
Portfolio growth
Longer-term growth solutions
Maximising investment returns to sustain and grow retirement portfolios
Complex planning needs a sophisticated solution
Discover the full Aberdeen SIPP investment range
For planners evolving their retirement strategies
Reassessing how your platform supports segmented, multi-phase retirement planning – or not yet placing significant SIPP business on Wrap?
Risk warning
The value of investments can go down as well as up, and the investor could get back less than was paid in. Laws and tax rules may change in the future. Personal circumstances and where the investor lives in the UK will also have an impact on tax treatment.

