Insights

Why pension flexibility matters for globally mobile clients

Global mobility is increasingly shaping retirement planning. More individuals now work across borders, retire overseas, or maintain financial ties in multiple jurisdictions, creating additional layers of complexity in pension administration, taxation and long-term income planning. International migration trends support this shift. The United Nations estimates that over 300 million people live outside their country of...

Why pension jurisdiction matters more in an increasingly global world

As clients become increasingly internationally mobile, retirement planning is no longer always tied to a single country. People are building careers across multiple jurisdictions, moving overseas, retiring abroad and managing financial arrangements that span borders. For advisers, this creates a more complex planning environment. While a pension arrangement should always be assessed based on the...

Five trends shaping international retirement advice

The retirement landscape is changing. Clients are living longer, working differently and increasingly making decisions that cross borders. For advisers supporting internationally mobile clients, this creates both opportunities and challenges. The role of the adviser continues to evolve beyond simply helping clients access pension benefits. Increasingly, advisers are being asked to provide advice around complex...

Cross-border retirement planning: Why advisers should start with the bigger picture

Retirement planning has traditionally focused on a relatively simple question: will a client have enough income to support the lifestyle they want when they stop working? However, involves much more than understanding pension values and projected income. Clients who have built careers across different countries, accumulated financial arrangements in multiple jurisdictions or are considering retiring...

Pension Dashboards are coming: What advisers should be doing now

After years of development, Pension Dashboards are moving closer to becoming a reality. With all relevant pension schemes and providers expected to connect to the dashboards ecosystem by 31 October 2026, advisers have an opportunity to prepare for what could be a significant shift in the way clients engage with their retirement savings. While dashboards...

Pensions are back in the spotlight and people are noticing

For long periods of time pensions rarely attracted mainstream attention outside the financial services industry. While they have always played a central role in long term financial planning, many consumers viewed pensions as something distant, technical and easy to postpone thinking about. That has changed significantly over the past few years. Pensions are once again...

Why trusted partnerships matter more in the age of the “finfluencer”

Social media has transformed the way people consume financial information. What was once limited largely to financial advisers, providers and regulated publications is now shared constantly across short form videos, podcasts, online forums and social platforms. Financial topics that many consumers may never previously have engaged with are now appearing daily on phones and feeds...

Retirement is changing, and so is the role of pension providers

Retirement is changing, and so is the role of pension providers For decades, retirement followed a familiar and predictable path: a defined working life followed by a clear transition into full retirement. Today, that model is no longer the norm. Instead, retirement has become more flexible, more personalised, and far less linear. Individuals are redefining...

Intergenerational planning – are advisers missing an opportunity?

Intergenerational planning has become an increasingly important topic within financial services, yet within the pensions space it is often underutilised. While pensions are widely recognised for their role in retirement planning, their potential as intergenerational tools is sometimes overlooked. We believe this represents a significant opportunity for advisers, not only to enhance client outcomes, but...

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The advice vs engagement challenge: making sure to do both

In today’s pensions landscape, the distinction between advice and engagement has become increasingly important. Advisers operate within a clearly defined regulatory framework, where the boundaries of advice are well established. Yet client expectations continue to evolve, and there is growing demand for a more engaging, accessible, and transparent experience. We view this as one of...