There is a common preconception about what a client looks like. Before I joined Money Marketing, my impression was that they were white, late middle-aged multimillionaires primarily men. Of course, a large number of clients still are, but the landscape is evolving. So what does the future look like?
The interplay between flexible/hybrid working, phased retirement and pension freedoms sets up a very different kind of retirement planning for new advisers and their clients.