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Retirement needs are changing

Clients entering retirement today face a more complex financial journey than ever before. More choice. More personal responsibility. More risk considerations. 

Research shows:

  • 43% of working-age people in Great Britain are projected to be undersaving for retirement (source: gov.uk, 2025).
  • 54% of non-retired adults are not confident that they'll have enough saved to be comfortable when they retire. (Source: LV= Wealth and Wellbeing 19, 2025).
  • Adviser firms are responding: a recent Adviser Home survey, commissioned by LV=, found that 63% of advisers use a Centralised Retirement Proposition as part of their retirement advice process. (Source: Adviser Home Research with LV=, 2025).

Useful documents

The following documents provide practical examples of blending and information on our range of tax wrappers:

Blended wrapper scenarios

Tax wrapper guide

Document with £ sign, behind a stack of coins

Why a stronger retirement proposition matters

The FCA’s Thematic Review on retirement has prompted advisers to strengthen their retirement propositions and improve client outcomes. With people living longer, retirement now demands ongoing planning, flexibility and sustainable income strategies.

In this context, using a full suite of tax wrappers within a centralised retirement strategy is becoming a popular choice for advisers looking to meet new regulatory requirements. Combining pensions, ISAs, bonds and other investments into one coherent plan supports better tax efficiency, more robust income planning and greater long-term confidence.

The LV= retirement proposition

The perfect retirement solution isn't one product. It's the right combination of products, working together through a single, structured approach.

At LV= we offer a wide range of solutions, suitable for all stages of retirement, in accumulation and at decumulation.

Graph of retirement accumulation and decumulation over time.

See the full guide showing how each LV= product can support your clients at different life stages.

Life stages and product mapping full guide

Our solutions

Garden maze

LV= Platform Services

A retirement-focused platform that provides advisers with access to LV's ISA Portfolio, Pension Portfolio, General Investment Account, and crucially, Smoothed Managed Funds.
Learn more about LV= Platform Services
Man and woman sitting on the log in a forest

LV= SIPP (Self-Invested Personal Pension)

Flexible retirement planning with extensive investment choice, including access to Smoothed Managed Funds.
More about the LV= SIPP
Granddaughter and grandmother doing gardening outside

LV= Smoothed Bond (Onshore)

Ideal for tax-efficient withdrawals and legacy planning, with access to 5 risk rated funds through our Smoothed Managed Funds range.
More on the LV= Smoothed Bond (Onshore)
A man in his later years mountain biking through the woods

LV = ISA

Supporting tax-efficient growth alongside pension withdrawals. Provides access to Smoothed Managed Funds.
More about the LV= ISA
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