Vlog

Welcome to our vlog page. We thought we'd pull together some of our thoughts on the Retirement Income market place and how it can be looked at. We hope you enjoy the viewing.

Survivorship benefit of annuitisation

9th September 2019

In this video Adrian Boulding, Chief Innovation Officer at Spire Platform Solutions, looks at how mortality cross subsidisation works in an annuity. He brings home just how much the benefit is worth when comparing it to investment returns in Income Drawdown.

Gravitating towards safer investment in older age

5th September 2019

In this video Adrian Boulding, Chief Innovation Officer at Spire Platform Solutions, speaks about how your retirement portfolios asset allocation is likely to change as one becomes older.

The Pyramid of Retirement Needs

2nd September 2019

In this video Adrian Boulding, Chief Innovation Officer at Spire Platform Solutions, looks at the benefits of splitting Retirement needs into three categories – Essential Income, Lifestyle Income and Legacy Aspirations.

Should gender determine pensions investment strategy?

19th August 2019

Adrian Boulding, Chief Innovation Officer at Spire Platform Solutions speaks about inequality between male and female pension pots and suggests that advice given should be addressing the issue.

De-risking retirement income by stages

22nd February 2019

As we age we become less able to make financial decisions. As such any Retirement Income strategy needs to take this into account and becomes self-fulfilling. Adrian Boulding, Chief Innovation Officer at Spire Platform Solutions looks at the benefits of phased annuitisation.

Looking under the bonnet of a modern annuity

20th February 2019

Adrian Boulding, Chief Innovation Officer at Spire Platform Solutions looks at how the underlying investments held by an Annuity Provider have changed over the years.

Single vs joint life annuity conundrum

18th February 2019

As times have moved on so have the options around single and joint life annuities. Here Adrian Boulding, Chief Innovation Officer at Spire Platform Solutions looks at how clients can take advantage of Pension Freedoms with increased choice and flexibility whilst still looking after their loved ones.

Dont buy inflation protection upfront

14th February 2019

Protecting yourself from inflation when in retirement can be very expensive. Adrian Boulding, Chief Innovation Officer at Spire Platform Solutions looks at an alternative way of protecting yourself against inflation that should deliver much better client value and outcomes.

Never gamble with life expectancy

11th February 2019

Managing a client’s income in retirement is extremely difficult as life expectancy varies considerably by individual. Managing for the individual is so much more difficult than managing for the pool. Here Adrian Boulding, Chief Innovation Officer at Spire Platform Solutions looks at the wide range of life expectancy in retirement.

Super safe annuities

7th February 2019

Since Pension Freedoms was announced the way retirees invest their pension has changed dramatically. As a result, annuities are often overlooked as components of retirement income planning, despite offering the super safe income that many clients are looking for as their retirement journeys play out.