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.

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.