Join us on Wednesday 18th February for this 1.5-hour session and enhance your understanding of Retirement Income with experts from Verve, Aspen and Vanguard.

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Aspen: Generating sustainable income for clients in retirement

Designing a robust Centralised Retirement Proposition (CRP) has never been more important. With longevity increasing, market volatility ever‑present, and clients seeking clarity and confidence in their retirement income, advisers need a framework that is both structured and adaptable.

In this session, Aspen introduces a practical, goals‑driven approach to CRP design using the three‑bucket model: Liquidity, Lifestyle, and Longevity. This framework helps advisers deliver sustainable income strategies that reduce client anxiety, mitigate sequencing risk, and support better outcomes throughout retirement.

Through a live case study, Aspen will demonstrate how the model works in real‑world scenarios—showing not just the theory, but how to apply it effectively in client conversations.

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Learning Objectives:

• Understand how to build a CRP framework that is a clear, repeatable model but can still accommodate the uniqueness of each client’s retirement needs.
• Explore techniques that help reduce risk, help clients stay invested, avoid emotional decision‑making, and maintain confidence when markets fluctuate.
• Practical application of the three‑bucket model. See how Liquidity, Lifestyle, and Longevity buckets work together to support income sustainability and long‑term growth.
• Real‑world implementation. Walk through a live case study demonstrating how to build, communicate, and maintain a retirement strategy that supports sustainable income.

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‍Vanguard: Decumulation: “The Nastiest, Hardest Problem in Finance”? A focus on spending

Advisers face significant challenges when supporting clients through decumulation — a topical problem William Sharpe (famous for the Sharpe ratio) described as the “nastiest, hardest problem in finance”. This session addresses these challenges by examining the regulatory framework and different approaches to spending and spending rules.

In doing this, it equips advisers with frameworks and ideas they can use to lean into client spending, helping to address one of the challenging aspects of decumulation.

Learning Objectives:

• Understand the core challenges of decumulation, the regulatory backdrop and how decisions drive long‑term outcomes.
• Identify and understand different retirement spending rules, including Vanguard’s Dynamic Spending approach.