Financial adviser confirmation

This area of our website is designed for financial advisers and other financial professionals only.

If you’re a customer or employer please select Homepage below and choose the relevant area of the website.  We’ll only ask you to do this once on each device you access our website on.

The Second 50

People are living longer and with it they're leading very different lifestyles. Take a look at how the changing landscape is impacting retirement advice.

The traditional ‘three-stage’ life typically follows the pattern of education, work and retirement. But as 100-year lifespans become more common, is this still a realistic blueprint for modern living?1

At Aegon, we're exploring life after 50, or what we're calling the Second 50. As an adviser, you play a vital role helping your clients prepare financially and mentally for a longer, more enjoyable, multi-stage life. Take a look at our resources to discover the changing nature of later life and its many advice opportunities.

Key themes and findings

Tools icon - Gift

There are over 25 million people in their Second 50 in the UK.2

Core icon - Money coins in hand

Our Second 50 research shows 'Running out of money' is a top three later life concern for 45% of those surveyed.3

Core icon - Signpost

Multiple complex pathways could result in individuals feeling overwhelmed.

Time travel icon - Map with pin

Our research also found that only 27% of respondents currently in employment expect a 'hard stop' retirement (giving up working at once).3

Providing financial advice in a shifting landscape 

We've carried out research into the multi-stage life and what we're calling the Second 50. You'll find our report, a visual guide highlighting the Five Fundamentals to help shape financial advice for this market and an article exploring the advice requirements. 

The Second 50: Navigating a multi-stage life

In our report, we outline how past trends in retirement are no longer a reliable guide to the future. The report looks at our research alongside the latest available UK national statistics to help identify the ways in which life after 50 will differ.

An overview of the Five Fundamentals

In this short guide we highlight how the retirement landscape is changing. We take a look at our Five Fundamentals of the Second 50 that can help shape your client conversations and explore the unique stages of later life.

  • Article
  • 6 min read

How a multi-stage life could shape your clients’ advice needs

Using our new 'Second 50' research, we explore how an evolving 'multi-stage' life could shape your clients' advice needs in the future.

The Five Fundamentals to help shape your advice

A multi-stage life is changing the way we approach retirement. We've broken down our research into Five Fundamentals to shape your advice and help guide your clients through the Second 50. 

Health Second 50 fundamental

Healthy and active lifestyle being led? 

  • Physical health 
  • Mental health
  • Social care
Wealth Second 50 fundamental

Will wealth cover clients? 

  • Financial security
  • Pensions
  • Homeownership
  • Lump sum decisions
Family Second 50 fundamental

Who is caring for family? 

  • Marital status
  • Caregiving support
  • Financial support
Work Second 50 fundamental

Living longer and working longer? 

  • Work status
  • Skill development
Wellbeing Second 50 fundamental

Are clients enjoying what they do? 

  • Happiness
  • Social life
  • Travelling and holidays

Client support

Our Five Fundamentals help capture the essence of what our Second 50 research is all about. Keep an eye out as we'll be adding resources you can send on to your clients over the coming months to this hub. 

More resources to help support client's retirement objectives

Consumer Duty hub

Keep up to date with the latest Consumer Duty news and access resources to help you understand the new rules, what they mean for you and your business and next steps.

Financial wellbeing

With us living longer and facing a very different retirement landscape, becoming a Wellbeing Maximiser could benefit your business and your clients. On our Financial wellbeing hub you'll find a range of support from our video series taking a look at 100-year life, through to our Financial wellbeing index research

Managing lifetime wealth - retirement advice in the UK

The sixth edition of our retirement advice trends report in partnership with Nextwealth is available now. Keep up to date with the latest trends shaping the retirement industry.

  • Article
  • 5 min read

NextWealth: what's driving retirement advice in 2024?

How has demand for advice changed and how does it align with client objectives and concerns? Find out in our summary of key findings from the latest report.

Tools and calculators

Take a look at our tools designed to help support you when it comes to helping your clients plan for retirement income needs with our retirement income calculator and our retirement needs calculator.

  1. The 100-year life: Living and working in an age of longevity, Data Source, Lynda Gatton and Andrew Scott, Bloomsbury 2016
  2. ONS population estimates - June 2021
  3. Second 50 report - based on research carried out with 900 adult workers and 100 fully retired UK residents, on our behalf by H/Advisors Cicero, with 2022 data collected from 20-30 December 2022 and 2023 data collected from 1-18 July 2023. 

Consolidation toolkit

Over our working lives we can accumulate multiple pension products. As clients approach retirement, this represents an opportunity to consider consolidating and bringing these together. Our consolidation hub has a range of supporting guides. 

Explore our Consolidation toolkit