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Retirement LifePlanning

Our framework supports your advice process, helping you guide conversations with your client around their retirement options.

It's designed to help you give your clients the flexibility and reassurance they want, which could help them make the right retirement choices.

See how our framework supports your clients' retirement outcomes

It helps your clients plan so they can:

  • Cover their everyday essentials with a guaranteed income
  • Have some discretionary spend for the 'nice to haves'
  • Invest to leave a legacy or pay for their healthcare in later life.

And it considers their retirement concerns too:

  • Longevity - will their money last long enough
  • Flexibility - can they access their money if their needs change
  • Inflation - will their income fall in real terms
  • Violatility - will market fluctuations damage their pension pot


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A guaranteed income manages your clients' longevity risk to cover the essentials, without unnecessarily looking in the rest of their capital.

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A mix of investments in a diversified portfolio aims to reduce the impact of market violatility and inflation. And any returns can be used to top up the clients' cash account over time.

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A cash account can be used to cover your clients' spending over the short-term, so they don't need to worry that market movements (market volatility) will stop them doing the things they want.

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Remaining capital to provide flexibility to their needs later on, for long-term care or to leave a legacy.

Take a look at how you could start using Retirement LifePlanning with your clients

Try our full range of retirement planning optimisers

Our suite of planning tools, called LifePlanning toolkit, is designed to support meaningful conversations with your clients.

Using the tools individually or together you can help identify your clients' goals, show them their potential cash flow and create tax efficient income strategies for your clients retirement.





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Case studies

What does Retirement LifePlanning look like in practice?


Retirement LifePlanning calculator

The Retirement LifePlanning calculator helps you make your planning conversations more meaningful.

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Our products

Our retirement products can suit a range of client needs.