This week on IFA Talk, Matt Williams and Jenny Hunter are joined by Gill Millen, Managing Director at Bowmore Financial Planning, to dig into one of the most pressing issues facing advisers and their clients today: people simply aren’t saving enough for retirement.  Bowmore’s latest analysis reveals that many clients, even those in their 40s and 50s and beyond, are contributing far below recommended levels, putting them at risk of a serious retirement income shortfall. In this episode, Gill shares practical ideas for how advisers can use this data to encourage clients to boost contributions and engage with their pensions earlier.  The conversation covers why under-saving is such a growing concern, how advisers can engage younger clients without adding to their financial stress, the best ways to nudge clients to increase contributions gradually, and where advisers can add the most value through smart pension planning.  If you’re looking for actionable tips to help clients secure a more sustainable retirement income, this is an episode you won’t want to miss.