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Earn 60 minutes CPD with our latest publication ‘A new retirement landscape and the role of guaranteed income’ available to download now. Defaqto have teamed up with Standard Life to create a guide for advisers and paraplanners to help them navigate the regulatory and economic hurdles to give suitable advice with longevity.

Standard Life has launched its pension annuity, which appears to be serendipitously timed as we have economic, political and regulatory pressures all driving advisers to seek a more secure, inflation-proof income for their clients.

This is especially true for clients already in drawdown, who have experienced a stock market that has broadly been tracking sideways for some years with considerable volatility along the way. Many will be coming to their next review uncomfortable with their experience and may now be faced with a stagnant or decreasing income in a high inflationary environment.

We therefore felt it prudent to remind advisers and paraplanners of the regulatory expectations and industry best practices when providing income in retirement advice. This is all designed to help improve retirees’ experiences and outcomes

This publication is split into two sections.

Section A

In this section we look at the overall approach to evidence-based advice and how retirement income solutions can be combined to meet your clients’ evolving needs and objectives.

Driven by the FCA’s thematic review of retirement income advice, we highlight the need to evidence the suitability of the income being recommended, both in value and source.

Section B

Here we put the spotlight on the new Standard Life retirement income options and their support for advisers, both of which will continue to grow throughout 2023 and beyond.

We will also take a deep dive into the new Standard Life Pension Annuity, an open-market proposition available for advisers to recommend right now.


Complete the form to download the guide