Nationwide "Later life mortgages" by VCCP

Nationwide gets real about retirement with a series of spots.

The trio of minute-long ads show members of the public as they discuss their plans for later life. While "Not a time for cruises" explores retirement as a "time to be yourself", "Guilt fairy" details one couple’s anxiety surrounding their children's inheritance.

Each will be accompanied by shorter 30-second edits, with all films launching on TV alongside press, out-of-home and video-on-demand activity and digital banners. The work is part of the bank’s "Voices nationwide" campaign, which previously saw comedians discuss their financial hardships in front of a live audience.

It was created by Aly Golani and Emma Jackson, and directed by Greta Wynn Davies through VCCP Kin. The media agency is Wavemaker.