The way clients are choosing to retire is rapidly changing. What was once a fixed milestone, is now a dynamic, personal journey.

In response to this advisers are changing how they deliver income strategies. There’s a growing need for an approach and products that can evolve over time and work with real life. That’s why we’ve switched up the way we think about retirement income and introduced a strategy and suite of flexible solutions that help advisers and their clients.

Retirement income solutions

  • Pension annuity

    Delivering a guaranteed income throughout your clients' lives.

  • Fixed-term Income

    Providing both certainty and flexibility with a guaranteed income for between three-25 years.

  • Guaranteed Lifetime Income

    Offering the security of a sustainable lifetime income, all within a Flexi-access Drawdown account. Available through ​Fidelity.

  • Smoothed funds

    Help grow pension savings while offering some shelter from short-term market volatility. Available through ​Fidelity.

  • Drawdown solutions

    Give your clients the freedom to access their pension savings however and whenever they like.

Read our latest insights

  • Article card image

    Embrace the twists and turns of life-without the bumps

    The road to retirement is bumpy and littered with potholes. Smoothed Funds can make the journey less volatile.
    Article Header
    Sam Pardoe

    October 21, 2025

    5 mins read
    Read more
  • Article card image

    Five client trends advisers can’t ignore

    How are today’s economic, political, and technological shifts reshaping client expectations – and what does it mean for financial advice?
    Article Header
    Adviser Insight and Opinion team

    July 11, 2025

    5 mins read
    Read more
  • Article card image

    Rethinking retirement

    With people living longer - and spending longer in retirement – than ever before, there’s a fundamental need for flexible solutions that help clients to live, save and spend.
    Article Header
    Stuart Bate

    June 18, 2025

    5 mins read
    Read more

More resources for advisers

  • Tools

    Access our tools and calculators to help make financial planning easier.

    See all tools

  • Literature

    Find all the information, forms, guides and key documents you need.

    View literature

  • Online services

    See the secure online services we offer and quickly find the support you need.

    See online services

Money invested is at risk. Tax may change in the future.

This website is for financial advisers only and must not be relied on by anyone else. If you're not an adviser, please go to our customer website for more information about our products and services.