Providing retirement solutions for the high net worth investor is a natural market for the financial adviser community. Advisers are familiar with the need to balance competing personal and financial objectives, whilst taking account of present day and future priorities, and weighing up income, capital and inheritance taxation issues.

Retirement advice, especially since April 2015, now brings the full range of options to all investors regardless of their pension wealth. Retirees, even with the most modest pension funds, can now consider some of the more complex and generally more flexible options, which were historically only available (or suitable) for higher net worth investors.

Those with smaller pension funds see no reason why they too cannot benefit from the flexibility of not having to buy an annuity, or being able to leave cash legacies to their beneficiaries or balancing security and flexibility.

Find out more about this new hybrid proposition