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4 scenarios where pension freedoms could cause your clients a real problem, and what you can do about them.

Pension freedoms, introduced in 2015, offered most people major changes to pension death benefit options and taxation. With all these added flexibilities and tax benefits, you could be forgiven for thinking why would you want to consider anything else for your clients’ pension pot. There are, however, several scenarios when the new flexibilities could be a hindrance rather than a benefit.

Telling a client how to spend their money might make them a better client for you

One important aspect of suitability is how sustainable the advice is in relation to the client’s ability to afford it. This needs careful collaboration between the adviser and the client. In this article, Jill discusses ways to make the client trust you more by telling them how to spend their own money.

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