Protecting clients from snap decisions and premature decumulation

Many clients won't be feeling very comfortable right now. After three years of pandemic-related uncertainty and an unprecedented period of geopolitical turmoil, the cost of living crisis is hitting savers hard, leaving many understandably fearful about the health of their long-term financial plans.   For a number of advisers, this has meant questions about whether early decumulation could be the answer to mitigating further asset falls or coping with higher mortgage and energy bills.   But while the ‘keep calm and stay invested' conversation might be enough to keep people reassured fo...