There has been much talk lately about how Financial Planners can spot and work with vulnerable clients.

It’s been an accepted wisdom over the past few decades that we are all living longer, at least as a nation. That’s now being tested.

Falling life expectancy could help 20m pension savers avoid the threat of an increasing State Pension Age, according to actuarial pensions consultancy LCP.

The Government is consulting on proposals to bring forward the rise in the State Pension Age to 68 from 2044 to 2037 resulting in millions being forced to wait longer for the state pension.