Scottish Fintech Guiide Launch of First-of-its-Kind Retirement Support Tool

A new solution is helping people take greater control of their retirement planning and it has Scottish fintech innovation at its heart.
Pathlines, in collaboration with Scottish fintech Guiide and global investment firm Invesco, has launched a first-of-its-kind tool offering guided support for non-advised defined contribution (DC) pension savers. The new self-service platform allows users to manage their pension drawdowns with greater confidence, building on Guiide’s holistic planning technology that has already been helping individuals navigate complex retirement decisions for over three years.
Initially available to anyone over 50 who is not yet drawing their pension, the tool enables savers to create a sustainable plan within Guiide, consolidate their pots with Pathlines, and link their cashflow projections to real pension accounts. The system then allows them to review and adjust their plan each year, offering an intuitive and dynamic way to stay on track with their long-term financial goals.
The partnership demonstrates the power of collaboration between fintech innovators and established financial institutions to deliver solutions that bridge the gap between advice and guidance, a key focus of ongoing regulatory and industry discussions.
Christine Hallett, CEO at Pathlines Pensions, said:
“Pathlines is centred on helping individuals take control of their financial future by empowering them to shape their own path to retirement. We’re proud to partner with Guiide and Invesco to deliver this innovative solution for those at the very beginning of their retirement journey.”
Guiide Chairman, Ruston Smith, added:
“Our goal is to make sustainable retirement plans a reality as simply as possible for the non-advised. We hope this new tool will help reduce the risks of drawdown for many savers.”
Georgina Taylor, Invesco’s EMEA Head of Client Investment Solutions, noted that decumulation — the process of managing and drawing down pension savings — is a core strategic priority for the firm, adding:
“Cashflow planning tools such as Guiide play a critical role in ensuring there’s a robust retirement platform for everyone, regardless of how they choose to access their savings.”
Supporting Innovation in Financial Guidance
This launch comes as FinTech Scotland, through the Financial Regulation Innovation Lab (FRIL), recently announced a UK-wide innovation challenge on the Advice-Guidance Boundary Review in partnership with leading financial institutions. The initiative invites fintech innovators to co-create next-generation solutions that make it easier for consumers to access the right kind of support at the right time, exactly the kind of practical innovation exemplified by Guiide and its partners.