Make housing wealth part of the retirement plan.

Liquidity4Life is developing the consumer proposition, technology and institutional infrastructure to convert housing wealth into regulated, mortgage-free, professionally managed retirement capital and income.

In development — not yet available Home Drawdown® is not currently in production or available to consumers. This website explains a proposition under development; it is not an offer, recommendation or financial advice.

For many households the family home is the most valuable asset.

Yet it has traditionally sat outside the financial plan.

We are building the framework to change that.

Designed to be a regulated, adviser-led solution for retirement.

From housing wealth to sustainable retirement income

Liquidity4Life is developing a way for housing wealth to be converted from an illiquid residential asset into investable retirement capital that can sit at the centre of a professionally managed retirement plan.

Housing wealth

For many households, the home is the largest asset on the balance sheet.

Converted to capital

Home Drawdown converts that housing wealth into investable retirement capital.

Equivalent-value investment

The customer’s retirement investment begins at the same value as the home, transforming the household balance sheet.

Central plank of the plan

That capital becomes the central plank of a professionally managed retirement investment plan.

Income generated and consumed

A regular and sustainable income can then be generated and consumed over the course of retirement.

Instead of treating the home as wealth that sits alongside the financial plan, its value can become part of the capital available to support that plan — alongside pensions, savings and other investments.

The result is a more complete view of retirement wealth and a greater ability to plan capital and income over the long term.

A regulated retirement investment solution

At the heart of the Liquidity4Life proposition is Home Drawdown®.

Home Drawdown is the integration of housing wealth into retirement planning through the conversion of that housing wealth into a flexible and sustainable income for life, while allowing the homeowner to remain securely in their home.

When launched, Home Drawdown will operate as a regulated, adviser-led solution, delivered through appropriately authorised institutions and supported by professional investment management, administration and governance.

The proposition is being designed from the outset around the regulatory requirements applicable to later-life financial services and the protection of the homeowner.

It brings together the consumer proposition, financial planning methodology, calculation technology, product rules and institutional investment infrastructure required to make housing wealth usable within long-term retirement planning.

Built for professional financial planning

Housing wealth should not sit outside the retirement balance sheet simply because it is difficult to incorporate into conventional financial products.

Liquidity4Life is developing the mechanisms that will allow regulated financial advisers and institutions to incorporate housing wealth into a customer’s professionally managed retirement investment plan.

For many customers, the capital created from housing wealth may become the largest component of that plan.

Pensions, savings and other investments can then be planned alongside it as part of a single, coordinated retirement strategy.

That creates the potential for better long-term planning: coordinating capital, income, expenditure and other retirement resources around the customer’s needs throughout later life.

Institutional infrastructure for a new retirement solution

Making housing wealth usable in this way requires considerably more than a consumer product.

It requires regulated institutional structures, long-term capital, professional asset management, technology, administration and governance capable of operating at scale.

Liquidity4Life is building that infrastructure.

Our role is to connect homeowners and advisers with the institutional investment system — creating the framework through which residential housing wealth can become regulated and professionally managed retirement capital and income.

Our founders

The founders bring complementary experience across wealth management, product development, financial markets, technology and distribution.

Andrew Smith

Founder

Andrew is a highly experienced financial services executive and entrepreneur with more than 25 years’ experience building and leading businesses across wealth management, financial planning and asset management.

He founded and developed one of the UK’s early progressive wealth management businesses, later led a UK financial planning joint venture with American Express Global Financial Services, and was one of the four founders and Chief Operating Officer of Succession Advisory Services, subsequently acquired by Aviva.

Andrew combines extensive experience of building asset-based financial services businesses with a strong focus on innovation, investment strategy and the development of new propositions for the adviser market.

Phillip Langton

Founder

Phil brings 30+ years of global experience working as a business leader, strategist and change agent driving revenue growth and operational performance for leading banks, FMIs and fast growth fintech firms.

He has a deep understanding of complex structured products and OTC derivatives, systems and trading processes, as well as the evolving regulatory frameworks that pertain to the trading, broking, clearing and custody of traditional and digital assets.

His background in structured products has positioned him with a particular expertise in the use of digital asset structures and blockchain platforms to provide solutions for the transformation of TradFi Assets in DeFi protocols.

Nick Kemp

Founder

Nick is a senior retail financial services professional with more than 30 years’ experience across financial advice, wealth management, investment product design and distribution.

He has founded and built financial services businesses in the UK and internationally, and has worked with leading global investment banks including Goldman Sachs, JP Morgan and Citi on the design and distribution of investment solutions.

Nick combines extensive adviser and distribution experience with a strong understanding of the commercial, regulatory and operational requirements involved in bringing innovative retail financial products to market.

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Housing wealth. Retirement capital. Planned together.

The opportunity is not simply to make more of the wealth stored in people’s homes available during retirement. It is to change the way retirement wealth is understood and managed.

Housing wealth

Pensions

Savings

Investments

Four components of the same financial plan.

For many households, housing wealth is the largest of them.

Liquidity4Life is developing the regulated infrastructure to bring them together.