UK Retirement Confidence Falls to Record Low: Strategic Response Framework for Financial Advisers

The third annual UK Retirement Confidence Index from Nucleus Financial reveals a stark reality: only 26% of UK adults believe they will have enough money to live comfortably in retirement. The overall national confidence score has fallen to 4.2 out of 10, down from 4.6 in 2024 and 6.9 in 2023. For financial advisers seeking sustainable growth, this collapse in confidence represents a significant strategic opportunity—but only if approached with regulatory awareness, sophisticated positioning, and genuine consumer-focused communications.