Tom’s excellent session on Tuesday 7th April showed that guided paths to retirement income will be tough and  difficult! It was at a Pension PlayPen coffee morning.

Tom’s question session splits into roughly two parts. In the first part we talk about the state pension and state benefits such as pension credit. In the second part we talk about what the private sector can best do to make retirement incomes better.

Tom takes us through the options available to a future Government including the taking away of the triple lock , increasing the state pension age and means testing. What is not discussed is continuing to build the state pension or replicating a state earnings related pensions. This needs be said to balance the discussion!

As regards the private pensions arising out of workplace savings, the focus is much more on guided retirement pathways than a shift to CDC. Here the discussion is about support that members of workplace schemes can get when going there own way and the options to default members into a default arrangement.

This session has been highly rated in all feedback we have received and I strongly recommend you watch or listen to it with any hour you have to spare!