New Research Reveals Critical Pension Adequacy Gap: What Financial Advisers Need to Know

Major workplace pensions study uncovers opportunities for advisers to address retirement income shortfalls affecting 15 million UK workers

November 2025 – New research from Royal London highlights a growing disconnect between employees’ retirement expectations and their actual pension savings, creating significant advice opportunities for financial advisers.

The comprehensive study of 4,000 UK employees with pensions reveals that nearly 15 million working-age people are not on track for an adequate retirement income, despite automatic enrolment transforming workplace pension participation since 2012.

Why Annuities Are Back in Focus — and What Financial Planning Firms Can Do With This Opportunity

In a landscape of market volatility, interest-rate uncertainty and evolving retiree behaviour, guaranteed income propositions are receiving renewed attention. Recent research from LV= reveals that nearly 43% of UK adults say certainty is the most important factor when planning their retirement income — rising to over 50% for those aged 60 and above. At the same time, both lifetime annuities and fixed-term annuities are beginning to re-enter the conversation as credible options for many clients.

Turn Mid-Retiree Uncertainty Into Your Next Growth Opportunity: Best Marketing Strategies for Financial Advisors

How the Aviva-Age UK Retirement Report 2025 Reveals a £63 Billion Advice Gap

The numbers don’t lie: 83% of mid-retirees now prioritise secure income for life, yet fewer than half believe their pension savings will last the distance. This isn’t just a concern—it’s a massive business opportunity for forward-thinking financial advisers seeking the best marketing strategies for financial advisors in 2025.