Annuities are now firmly back on advisers’ radars, driven by improved rates and a renewed focus on income certainty in retirement. But while demand is rising, delivering annuity solutions is not always keeping pace.
Why the tech challenges plaguing the super sector may ultimately lead to better service, stronger protections and a superior member and client experience.
After a period in the background of financial planning, onshore and offshore bonds have come back into sharper focus over the last couple of years, with tax being a key driver. Changes to capital gains tax (CGT), alongside the proposed inclusion of inherited pensions within inheritance tax (IHT) from April 2027, are reshaping wrapper selection across advice firms.
