‍What does the ideal centralised retirement proposition look like?

Simple, versatile, reliable, and repeatable.  

But every retirement client has different needs to consider. Aspen – provider of premium investment managements services - recommends making room for ‘flexibility’.  

Creating flexibility with 3 buckets 

Typically, retirement clients need to consider a combination of:   

• Age  

• Health 

• Changing living arrangements 

• Longevity of the pot 

• Legacy planning 

• Gifting and lump sum withdrawal 

A 3-bucket approach makes it easy for firms to cater to those personal combinations, consistently, across client banks and advisers. 

Aspen’s 3 buckets include: 

• Liquidity: a 1-2 year pot for immediate cash needs and avoiding sequencing risk 

• Lifestyle: a 2-7 year pot aligning current and desired ways of living 

• Longevity: a 7+ year pot dedicated to the long term or legacy

Simplicity that clients understand 

 By taking into consideration overall risk and objectives in retirement, advisers can create tailored outcomes for varying client circumstances.

 That more personalised approach is key to creating solutions that clients really understand, ultimately reducing the most common anxieties around longevity. 

See the 3-bucket method come to life 

The Aspen team will be bringing the 3 bucket method to life at GROW on Tour. 

Advisers can catch the live session (for free!) at each of the 4 dates in May 2025, including expert recommendations on using the 3 bucket method effectively with an in-person case study.  

Get your free tickets here while spaces remain.  

More about Aspen 

Aspen was founded with the aim of transforming the MPS market and helping move our industry towards better quality financial planning and putting the responsibility on providers to produce more value and a great experience for clients – a gap in the current market. 

There are signs that the market is evolving and we want to work with those who are leading that change. We’re delighted to partner with Verve because our values align. Collectively we aim to empower financial advice firms by driving innovation and providing market leading services that enable them to deliver the best experience to their clients.

Hear more from Andrew, the professionals at Aspen and our experts at Verve by joining us at GROW on Tour. Spaces are limited!

Learn more about how we can support you with your proposition here.

Learn more about Aspen on their website here.