Headline Verdana BoldImpact of digital disruption on the post retirement products and servicesIBRC Post-retirement Conference 2016Stephen Huppert, Trustee Partners @stephenhuppert

Helping our members reachtheir objective in retirement

Everything in this 1991 RadioShack ad exists in a single smartphone.

Artificial Intelligence Genomics

Connected Home Sensing – Internet of Things

Crypto-Currencies

Robotics3D Printing

Blockchain

Mobile Payments

Virtual & Augmented RealityWearables

Electric and Connected Cars

E X P O N E N T I A L T E C H N O L O G I E S

A MY RI A D O F D I S RU P T I V E I D E A S A RE N O W BE CO MI N G A RE A L I T Y

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CIPR - comprehensive income product for retirementPost retirement

Account based

pensions

Variableannuities

Group self annuitisation

Capital protection strategies

Managed volatility strategies

Income focused equity

strategies

Immediate annuties

Deferred annuities

Defined benefit pension

The Financial System Inquiry 2014 (Murray)

A framework for considering retirement outcomes

Net Investment

Returns

Operating Costs

Products & Services

Retirement Outcomes

Consumer Behaviour

The key trend in financial services is the move to customer centric, digital first operating models

The re-wired consumer

What is robo advice?Automated investment advice as innovative disruption

Robo advice is barely advice todayThe future of robo advice

Robo Advice:Portfolio Allocation

Investment Recommendation

Goal-Based Advice

Personal Insurance

Tax Planning

Cash Flow Management

Estate Planning

Business Succession Planning

Disruptors rarely come from where you expect

A hole-in-one for retirement, with membership for life. The QANTAS golf annuity is available now

© Trustee Partners, 2016. All rights reserved.

Stephen Huppert@stephenhuppert