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Income Drawdown - support material

We've created a range of support materials to help you with the drawdown advice process. Please feel free to download these guides for more information on this complex area of financial planning.

 

Building on our many years of experience in the drawdown market we’ve created a range of technical leaflets covering all aspects of the drawdown advice process. The topics covered are:

Comparing retirement benefit options

  1. Advantages & disadvantages
  2. Case study

Building investment portfolios

  1. Portfolio construction & review
  2. Income withdrawal strategies

Income drawdown advice process

  1. FSA's guidance
  2. Client considerations

Tax-free cash recycling

  1. What are the conditions?
  2. What are the consequences?

Calculating max GAD income

  1. How to calculate max income
  2. Advice implications

When max income is recalculated

  1. Formal & additional reviews
  2. Advice implications

The critical yield (CY)

  1. Definition of critical yield A & B
  2. Factors that influence the CY

Death benefits

  1. Crystallised & uncrystallised benefits
  2. Spousal by-pass

Need more information

Get in touch with your usual Scottish Life contact who can provide you with further assistance on the drawdown advice process if needed.

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