If you asked ten advisers what the retirement conversation is really about, none of them would say asset allocation. It’s something much more human than that. Will I be alright? Have I got enough? Can I stop working? Will there be something left for the children? The industry has poured a lot of energy into…

Most advisers can picture the moment. A client sitting across the table from you, maybe a year or two out from retirement. You’ve talked them through the fact-find, the risk profile, the recommended portfolio. Everything is documented, everything is signed off. Then, quite often near the end, they ask the question they came in with…