[00:00:00] Edward Kennedy: The decumulation phase should be one of the most supported periods of a client's financial life. Instead, it often becomes one of the most stressful. Because many strategies assume a one size fits all approach.

[00:00:22] Edward Kennedy: No two clients are the same, their dependencies, spending habits, risk tolerance, and financial journeys differ in ways that standardised approaches simply cannot capture.

[00:00:34] Edward Kennedy: Real clients experience unpredictable lives, market shocks, changes in health, family commitments, and shifting spending needs.

[00:00:43] Edward Kennedy: Traditional solutions often place clients into buckets that simply do not reflect real life retirement.

[00:00:49] Edward Kennedy: Longevity risk varies dramatically between individuals. Income needs are not linear. Market sequencing risk can transform two identical portfolios into drastically different outcomes.

[00:01:01] Edward Kennedy: Clients deserve more than a generic plan, they deserve a personalised decumulation strategy that adapts to their lives.

[00:01:09] Rory Dowie: True bespoke decumulation begins with partnership.

[00:01:12] Rory Dowie: We work closely with advisors, enhancing the quality and depth of the fact find to uncover the lifestyle, emotional and financial details that truly shape retirement.

[00:01:22] Rory Dowie: Together with advisors, we co-design each client's decumulation plan.

[00:01:27] Rory Dowie: We engineer flexible withdrawal strategies, portfolios that specifically address sequencing risk and stress tested income pathways.

[00:01:35] Rory Dowie: We translate technical complexity into client friendly visuals, income sustainability charts, scenario models and tax efficient withdrawal pathways.

[00:01:44] Rory Dowie: This is not outsourcing. It is a collaboration. Advisors retain complete control of the client relationship while gaining specialist partner dedicated to delivering precision in the decumulation phase.

[00:01:56] Edward Kennedy: Our bespoke Personal Portfolio service can provide important reassurance to your client.

[00:02:01] Edward Kennedy: Retirement is an emotional transition as much as a financial one.

[00:02:05] Edward Kennedy: After a lifetime of saving, switching to spending can create fear even for financially secure clients. Clients worry about running out of money, coping with the market volatility, and maintaining their lifestyle. Generic solutions increase the anxiety.

[00:02:21] Edward Kennedy: Our Personal Portfolio strategies, calm uncertainty. When clients know the plan was built specifically for them, their confidence grows.

[00:02:29] Edward Kennedy: We conduct scenario modelling, we look at best case, expected case, and worst case scenarios. This turns fear into clarity.

[00:02:38] Edward Kennedy: A tailored decumulation plan provides not just structure, but reassurance. It helps clients feel safe, supported and understood.

[00:02:46] Rory Dowie: At Marlborough, our Personal Portfolio service integrates smoothly into your advice process.

[00:02:52] Rory Dowie: You remain the trusted advisor, we provide the specialist investment support.

[00:02:56] Rory Dowie: We deliver personalised case design, help with tax efficient withdrawal planning, scenario modelling, income reports, and regular portfolio reviews.

[00:03:06] Rory Dowie: This partnership elevates your proposition, differentiates your practise, and deepens client trust.

[00:03:12] Rory Dowie: Together we deliver retirement experience, built on clarity, flexibility, and peace of mind.

[00:03:19] Rory Dowie: Decumulation shouldn't be the most stressful stage of a client's life.

[00:03:23] Rory Dowie: With a Personal Portfolio strategy, it becomes predictable, manageable, and reassuring.

[00:03:28] Rory Dowie: Let's deliver retirement as it should be.