“Super was geared up for savings and accumulation and not decumulation and retirement and this is the same for the framework regarding retirement products. “A lot of strategies that planners think about are around accumulation and not the bit that comes after. That’s not to say that advisers are not doing a good job but it’s a bit unstructured.” Dinham noted that the CFP was a high-quality professional qualification as it was detailed and thorough but retirement investing was not covered in detail. “We did a survey of what people do in terms of their retirement investing framework and we found a whole variety of frameworks being used such as bucketing and conservative allocations. There were about five or six different frameworks for retirement investment advice,” he said.