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Many people think they don’t need advice and end up making their own decisions without my help.

Why should I worry about this? After all grown-ups have the freedom to make their own financial decisions and make their own mistakes.

I worry because many people may be sleep walking into a danger zone where they may suffer a financial shock which will leave them seriously short of money in retirement.

Annuity or Drawdown? – that is the question It doesn’t matter if you are looking to convert your pension pot into income, considering a DB transfer or running a drawdown plan, one the most questions in financial planning is whether to buy an annuity or invest in a drawdown plan. Before looking at this important question let’s be clear on the terminology. Annuities They are ...

Advice fess - Value for money Talking fees with clients can be difficult. Some clients willing accept the fees whilst other clients challenge the proposed fees and want us to justify the fees for the advice we are giving. Therefore, I included a chapter on fees in my latest guide, Retirement Advice; art or science? I struggled at first to find a way of discussing fees, then ...

Engage with advice I want to help people make the right decisions at retirement but it seems many people don’t want to help themselves by properly engaging with advisers. In the old days (whenever that was), people were more open to taking advice and more trusting of experts but nowadays many people have a closed mind to advice and don’t necessarily trust advisers. This has n ...

We are living in uncertain times It is an understatement to say that we are currently in uncertain times. The outcome of the Brexit negotiations is uncertain, we don’t know the outcome of Trump’s trade war with China and the financial markets are up and down like a yo-yo. When markets are volatile, what advice do we give our clients? It is easy to hide under the umbrella that ...

It is still not the year of the annuity! In January I wrote a piece asking if 2018 was going to be the year of the annuity? For the Chinese, 2018 is the year of the dog but in the UK, annuities have been in the dog house since pension freedoms and they look like remaining in the kennel for sometime to come. The case for annuities is getting stronger There are few people more ...

Retirement advice; an art or a science? This is the working title for a new guide I am writing which looks at the retirement advice process. One of the reasons advices at retirement is so complicated is there are a lot of technical factors and a lot of behavioural factors to take into account. One of the advantages of looking at both the technical and emotional side of retirem ...

In last month’s article I said retirement advice doesn’t have to be black or white because there are solutions that bridge the gap between annuities and drawdown. I went on to say that I thought it was difficult to innovate annuities there was plenty of scope to innovate the way advice is delivered. I was very pleased to get a response from Peter Ellis at Just Retirement. He m ...

Fixed term income plans – retirement options do not need to be black or white It seems that every time I go a conference there is someone talking about the need for innovation in retirement income plans. Having watched various product developments over the last 20 year it comes as no surprise to me that the elusive new plan which fits half way between an annuity and drawdown h ...

It has been 16 months since I started advising clients again after a break of four years. Obviously much has changed after pension freedoms not least that annuities are less popular and drawdown has become the new default at retirement. This is not a problem nor an issue for a good adviser because they will always work out what is the best solution for the client rather than be ...

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This website is run by William Burrows and publishes generic information on annuities, drawdown and other related retirement income matters. Any information you use is at your own risk and does not constitute financial advice.

If you require financial advice you will be advised by Better Retirement where William Burrows is authorised to give investment advice. Better Retirement Group Ltd is authorised and regulated by the Financial Conduct Authority, reference number 153420.