Adrian Boulding

'This should not be an exercise that we only do because FCA says we must'

'Let me be clear: No one will have to buy an annuity'

'This is something of an Icarus challenge for advisers'

The trusted adviser understands their audience

Decisions need to be framed by the individual's circumstances

Consumer Duty may lead to tensions between advisers and providers

But how many firms will use it to their advantage?

AI can help deliver deeper client understanding

As clients save more it is essential to get the best long-term returns

Scheme design has smart features that ameliorate potential downsides