{"id":14690,"date":"2026-09-08T15:26:44","date_gmt":"2026-09-08T15:26:44","guid":{"rendered":"https:\/\/www.wealthtime.com\/advisers\/?page_id=14690"},"modified":"2026-10-15T08:34:35","modified_gmt":"2026-10-15T08:34:35","slug":"permission-to-spend","status":"publish","type":"page","link":"https:\/\/www.wealthtime.com\/advisers\/permission-to-spend\/","title":{"rendered":"Permission to spend"},"content":{"rendered":"\n<section id=\"hero-block_2117b31cd647b652eaa70b154ab40d0c\" class=\"hero black\">\n\n  \n    <div class=\"slider\" id=\"slider-block_2117b31cd647b652eaa70b154ab40d0c\">\n\n      <div class=\"slider-wrapper\">\n\n        \n        \n          <div class=\"slide\" data-slide-index=\"1\" data-slide-active=\"true\">\n\n            \n\n  <img loading=\"lazy\" decoding=\"async\" width=\"1920\" height=\"1080\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS003_ManWithMug_1920x1080-2.png\" class=\"hero-image\" alt=\"row full-width hero\" srcset=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS003_ManWithMug_1920x1080-2.png 1920w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS003_ManWithMug_1920x1080-2-300x169.png 300w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS003_ManWithMug_1920x1080-2-1024x576.png 1024w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS003_ManWithMug_1920x1080-2-768x432.png 768w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS003_ManWithMug_1920x1080-2-1536x864.png 1536w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS003_ManWithMug_1920x1080-2-640x360.png 640w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS003_ManWithMug_1920x1080-2-1200x675.png 1200w\" sizes=\"auto, (max-width: 1920px) 100vw, 1920px\" \/>\n\n<div class=\"grid content body-push left-aligned \">\n\n  <div class=\"content-wrap\">\n\n    <div class=\"wrap-inner\">\n\n      <p class=\"label\">New research<\/p>\n\n      \n        <h1 class=\"hero-title\">Permission to spend<\/h1>\n\n      \n      \n        <span class=\"hero-content\">\n\n          <p>Unlock your clients\u2019 confidence in retirement<\/p>\n\n        <\/span>\n\n      \n      \n      \n        <div class=\"button-wrapper\">\n\n          <a class=\"button\" href=\"#guide\" target=\"\">Get the guide<\/a>\n\n        <\/div>\n\n      \n      \n    <\/div>\n\n    \n  <\/div>\n\n  \n<\/div>\n          <\/div>\n\n          \n                \n      <\/div>\n\n      \n    <\/div>\n\n    \n<\/section>\n\n\n\n\n  <section class=\"page-menu\" id=\"page-menu\">\n\n    <div class=\"nav-wrapper-outer\" id=\"nav-wrapper-outer\">\n\n      <div class=\"body-push row\">\n        \n        <div class=\"nav-wrapper\" id=\"nav-wrapper-inner\">\n          <!-- Menu goes here -->\n          <ul id=\"page-nav\"><\/ul>\n        <\/div>\n\n      <\/div>\n\n    <\/div>\n\n  <\/section>\n\n\n\n\n<section id=\"research\" class=\" signposts white signpost-bg-transparent\" id=\"research\" data-anchor-text=\"The research\" data-anchor-link=\"research\">\n\n\t<div class=\"body-push row\">\n\n\t\t<div class=\"grid  layout-75-35\">\n\n\t\t\t<div class=\"col-1\">\n\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t<div class=\"content\" data-animate-on-scroll='fade-up'>\n\n\t\t\t\t\t\t<h3>A retirement plan has to succeed twice. First, the maths must work. Then, the household needs to confidently use the plan.<\/h3>\n<p>Retirement-income planning often assumes that once affordability has been proven, clients will naturally act. But our latest research \u2013 Permission to spend &#8211; suggests otherwise. Many clients continue to underspend, some overspend, and almost half do not sustain increased spending even after receiving explicit permission from their adviser.<\/p>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\n\t\t\t\n\t\t\t\t<div class=\"col-2\">\n\n\t\t\t\t\t<div class=\"image\" data-animate-on-scroll='fade-in'>\n\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"1200\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS004.png\" class=\"attachment-small size-small\" alt=\"signpost row\" srcset=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS004.png 1200w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS004-300x300.png 300w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS004-1024x1024.png 1024w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS004-150x150.png 150w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS004-768x768.png 768w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS004-640x640.png 640w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t<\/div>\n\n\t\t\t\n\t\t<\/div>\n\n\t\t\n\n\t\t\n\n\t\t\n\t<\/div>\n\n<\/section>\n\n\n<section id=\"signposts-block_d72417ab4c4263e51be2dcfabb752c88\" class=\" signposts black signpost-bg-black\" id=\"signposts-block_d72417ab4c4263e51be2dcfabb752c88\"  >\n\n\t<div class=\"body-push row\">\n\n\t\t<div class=\"grid  layout-100-0\">\n\n\t\t\t<div class=\"col-1\">\n\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t<div class=\"content\" data-animate-on-scroll='fade-up'>\n\n\t\t\t\t\t\t<p style=\"text-align: center;\">Based on our new research with 1,000 retirees and 200 financial advisers, we\u2019ve developed the insight, framework and tools to help you unlock your clients\u2019 confidence in retirement. Get your <a href=\"#guide\"><strong>free adviser guide <\/strong><\/a>to\u00a0explore the confidence gap in retirement and the opportunity for financial advisers.<\/p>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\n\t\t\t\n\t\t<\/div>\n\n\t\t\n\n\t\t\n\n\t\t\n\t<\/div>\n\n<\/section>\n\n\n<section id=\"findings\" class=\" signposts light-gray signpost-bg-black\" id=\"findings\" data-anchor-text=\"Key findings\" data-anchor-link=\"findings\">\n\n\t<div class=\"body-push row\">\n\n\t\t<div class=\"grid  layout-75-35\">\n\n\t\t\t<div class=\"col-1\">\n\n\t\t\t\t\n\t\t\t\t\t<h2 class=\"section-title\">Why this matters for advisers<\/h2>\n\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t<div class=\"content\" data-animate-on-scroll='fade-up'>\n\n\t\t\t\t\t\t<p>Permission to spend explores the gap between creating a retirement-income plan and helping clients confidently live it. The findings point to a simple reality: technically sound advice can still fail to become lasting household action.<\/p>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\n\t\t\t\n\t\t<\/div>\n\n\t\t\n\t\t\t<div class=\"grid signpost-row grid-cols-5 black\">\n\n\t\t\t\t\n\t\t\t\t\t\n\n    <article class=\"single-signpost black stat-active\" data-animate-on-scroll=\"fade-up\">\n\n        \n        \n            <h3 class=\"stat\">\n                \n                24%\n                <sup><\/sup>\n            \n            <\/h3>\n\n        \n        <div class=\"signpost-meta\">\n\n            \n            \n                <span class=\"description\">\n                    \n                    <p>of retirees say they spend less than their financial position supports<\/p>\n                \n                <\/span>\n\n            \n            \n        <\/div>\n\n    <\/article>\n\n\n\t\t\t\t\n\t\t\t\t\t\n\n    <article class=\"single-signpost black stat-active\" data-animate-on-scroll=\"fade-up\">\n\n        \n        \n            <h3 class=\"stat\">\n                \n                48%\n                <sup><\/sup>\n            \n            <\/h3>\n\n        \n        <div class=\"signpost-meta\">\n\n            \n            \n                <span class=\"description\">\n                    \n                    <p>of clients did not increase their spending after receiving explicit permission<\/p>\n                \n                <\/span>\n\n            \n            \n        <\/div>\n\n    <\/article>\n\n\n\t\t\t\t\n\t\t\t\t\t\n\n    <article class=\"single-signpost black stat-active\" data-animate-on-scroll=\"fade-up\">\n\n        \n        \n            <h3 class=\"stat\">\n                \n                24%\n                <sup><\/sup>\n            \n            <\/h3>\n\n        \n        <div class=\"signpost-meta\">\n\n            \n            \n                <span class=\"description\">\n                    \n                    <p>may be spending above what is sustainable<\/p>\n                \n                <\/span>\n\n            \n            \n        <\/div>\n\n    <\/article>\n\n\n\t\t\t\t\n\t\t\t\t\t\n\n    <article class=\"single-signpost black stat-active\" data-animate-on-scroll=\"fade-up\">\n\n        \n        \n            <h3 class=\"stat\">\n                \n                50%\n                <sup><\/sup>\n            \n            <\/h3>\n\n        \n        <div class=\"signpost-meta\">\n\n            \n            \n                <span class=\"description\">\n                    \n                    <p>say reassurance from advice weakens within six months<\/p>\n                \n                <\/span>\n\n            \n            \n        <\/div>\n\n    <\/article>\n\n\n\t\t\t\t\n\t\t\t\t\t\n\n    <article class=\"single-signpost black stat-active\" data-animate-on-scroll=\"fade-up\">\n\n        \n        \n            <h3 class=\"stat\">\n                \n                54\n                <sup><\/sup>\n            \n            <\/h3>\n\n        \n        <div class=\"signpost-meta\">\n\n            \n            \n                <span class=\"description\">\n                    \n                    <p>Retirement confidence scored just <strong>54\/100<\/strong> overall in the research study<\/p>\n                \n                <\/span>\n\n            \n            \n        <\/div>\n\n    <\/article>\n\n\n\t\t\t\t\n\t\t\t<\/div>\n\n\t\t\n\n\t\t\n\t\t\t\n\t\t\n\n\t\t\n\t<\/div>\n\n<\/section>\n\n\n<section id=\"guide1\" class=\" signposts white signpost-bg-transparent\" id=\"guide1\"  >\n\n\t<div class=\"body-push row\">\n\n\t\t<div class=\"grid  layout-75-35\">\n\n\t\t\t<div class=\"col-1\">\n\n\t\t\t\t\n\t\t\t\t\t<h2 class=\"section-title\">Permission to spend: The adviser guide<\/h2>\n\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t<div class=\"content\" data-animate-on-scroll='fade-up'>\n\n\t\t\t\t\t\t<p>Download your free guide to access the key findings from our research and discover guidance to help clients make more informed retirement spending decisions.<\/p>\n<p><span style=\"color: #1dd698;\"><strong>Inside the guide:<\/strong><\/span><\/p>\n<ul>\n<li>The key findings from our research with retirees and advisers<\/li>\n<li>The Permission to spend map: four points where retirement plans break down<\/li>\n<li>A repeatable way to identify client priorities and determine when their plan may need recalibration<\/li>\n<li>A practical framework for building and communicating an annual spending range<\/li>\n<li>A review process that checks actual spending and household confidence, as well as technical suitability<\/li>\n<li>The Adviser Diagnostic tool for meetings and reviews<\/li>\n<li>A Client Permission Statement the household can keep<\/li>\n<\/ul>\n<h3><\/h3>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t<div class=\"button-wrapper\">\n\n\n\t\t\t\t\t\t\t<a href=\"#guide\" target=\"_self\" class=\"button black\">Download the guide<\/a>\n\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\n\t\t\t\n\t\t\t\t<div class=\"col-2\">\n\n\t\t\t\t\t<div class=\"image\" data-animate-on-scroll='fade-in'>\n\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS010.png\" class=\"attachment-small size-small\" alt=\"signpost row\" srcset=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS010.png 1024w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS010-300x300.png 300w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS010-150x150.png 150w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS010-768x768.png 768w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS010-640x640.png 640w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t<\/div>\n\n\t\t\t\n\t\t<\/div>\n\n\t\t\n\n\t\t\n\n\t\t\n\t<\/div>\n\n<\/section>\n\n\n\n\n<section id=\"guide\" class=\"title-and-description light-gray\" data-anchor-text=\"Get the guide\" data-anchor-link=\"guide\">\n\n\t<div class=\"body-push row\">\n\n\t\t<div class=\"grid  layout-75-35\">\n\n\t\t\t<div class=\"col-1\">\n\n\t\t\t\t\n\t\t\t\t\t<h1 class=\"section-title\">Download your free guide<\/h2>\n\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t<div class=\"description\">\n\n\t\t\t\t\t\t\t<p>Get actionable insights, practical frameworks and tools you can use immediately.<\/p>\n<p><script charset=\"utf-8\" type=\"text\/javascript\" src=\"\/\/js-eu1.hsforms.net\/forms\/embed\/v2.js\"><\/script><br \/>\n<script>\n  hbspt.forms.create({\n    portalId: \"25437690\",\n    formId: \"d605852f-bf52-4318-865e-8d060f36c2bc\",\n    region: \"eu1\"\n  });\n<\/script><\/p>\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\n\t\t\t<\/div>\n\n\t\t\t\n\t\t\t\n\t\t<\/div>\n\n<\/section>\n\n\n<section id=\"webinar\" class=\" signposts black signpost-bg-transparent\" id=\"webinar\" data-anchor-text=\"Webinar\" data-anchor-link=\"webinar\">\n\n\t<div class=\"body-push row\">\n\n\t\t<div class=\"grid  layout-75-35\">\n\n\t\t\t<div class=\"col-1\">\n\n\t\t\t\t\n\t\t\t\t\t<h2 class=\"section-title\">Webinar catch up &#8211; Permission to spend: Unlocking client confidence in retirement<\/h2>\n\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t<div class=\"content\" data-animate-on-scroll='fade-up'>\n\n\t\t\t\t\t\t<p><strong>Recording available now<\/strong><\/p>\n<p>Our host <strong>David Edgar (Wealthtime)<\/strong>, was joined by <strong>Tony Wickenden (Technical Connection)<\/strong> and <strong>Phillip Wickenden (Ad Lucem)<\/strong> for a webinar designed to help financial advisers better understand the gap between a technically robust retirement income plan and sustained household action.<\/p>\n<p><!--StartFragment --><span class=\"cf0\"><strong style=\"font-size: 1rem; color: #1dd698;\">What the session covered<\/strong><\/span><\/p>\n<p><span class=\"cf0\">We explored our latest retirement research findings and their implications for adviser-client conversations, alongside the common reasons retirement income plans can fail in practice despite being technically sound. The session also covered the technical foundations of retirement planning and the Permission to Spend framework, giving advisers practical ways to help clients spend confidently and achieve better retirement outcomes.<\/span><!--EndFragment --><\/p>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t<div class=\"button-wrapper\">\n\n\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.crowdcast.io\/c\/odtCvqF3CQUMYGDpwrP-N\" target=\"_self\" class=\"button white\">Catch up now<\/a>\n\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\n\t\t\t\n\t\t\t\t<div class=\"col-2\">\n\n\t\t\t\t\t<div class=\"image\" data-animate-on-scroll='fade-in'>\n\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"1200\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS007_v2-01-1-1.png\" class=\"attachment-small size-small\" alt=\"signpost row\" srcset=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS007_v2-01-1-1.png 1200w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS007_v2-01-1-1-300x300.png 300w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS007_v2-01-1-1-1024x1024.png 1024w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS007_v2-01-1-1-150x150.png 150w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS007_v2-01-1-1-768x768.png 768w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS007_v2-01-1-1-640x640.png 640w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t<\/div>\n\n\t\t\t\n\t\t<\/div>\n\n\t\t\n\n\t\t\n\n\t\t\n\t<\/div>\n\n<\/section>\n\n\n\n\n\n\n<section id=\"signposts-block_e3edbb0e61b82313d4054f230898c10d\" class=\" signposts white signpost-bg-transparent\" id=\"signposts-block_e3edbb0e61b82313d4054f230898c10d\"  >\n\n\t<div class=\"body-push row\">\n\n\t\t<div class=\"grid  layout-75-35\">\n\n\t\t\t<div class=\"col-1\">\n\n\t\t\t\t\n\t\t\t\t\t<h2 class=\"section-title\">Everything advisers need for retirement planning<\/h2>\n\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t<div class=\"content\" data-animate-on-scroll='fade-up'>\n\n\t\t\t\t\t\t<p>At Wealthtime, we provide the solutions advisers need to balance income security, flexibility and long-term growth for their clients. Our award-winning retirement proposition is designed to support modern retirement planning and Centralised Retirement Propositions (CRPs) combining drawdown, guaranteed income solutions, extensive investment choice and practical adviser tools \u2013 all on one platform.<\/p>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t<div class=\"button-wrapper\">\n\n\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.wealthtime.com\/advisers\/wealthtime\/retirement\" target=\"_self\" class=\"button black\">Discover our award-winning retirement proposition<\/a>\n\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\n\t\t\t\n\t\t\t\t<div class=\"col-2\">\n\n\t\t\t\t\t<div class=\"image\" data-animate-on-scroll='fade-in'>\n\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"1200\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS008.png\" class=\"attachment-small size-small\" alt=\"signpost row\" srcset=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS008.png 1200w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS008-300x300.png 300w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS008-1024x1024.png 1024w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS008-150x150.png 150w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS008-768x768.png 768w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS008-640x640.png 640w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t<\/div>\n\n\t\t\t\n\t\t<\/div>\n\n\t\t\n\n\t\t\n\n\t\t\n\t<\/div>\n\n<\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":17,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-14690","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - 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