Aegon Platform - Managing adviser charges

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1 Aegon Platform - Managing adviser charges This information is for intermediaries only. It mustn t be distributed to, or relied on by, customers. The screens shown are for demonstration purposes only. They may vary from the final screens.

2 ``` Contents 2 Adviser charges what s new and what s changed? Redirecting charges Taking an adviser charge (new products) Managing cash Managing ongoing charges Key dates and reconciliation

3 ``` 3 Adviser charges what s new and what s changed?

4 ``` Adviser charges what s new? 4 You don t need to send a signed fee agreement anymore. Product level cash facility to pay charges removing the complexity of a platform cash account covering multiple products. Charges as a percentage or monetary amount. Percentage initial charge on transfers.

5 ``` Adviser charges what s new? 5 Initial charge on regular investments spread up to a maximum of 36 months. Range of options to manage cash, including the ability for your clients to set up a direct debit into the General Investment Account (GIA) to pay charges from other products. Default sell down in each product to cover most charges if there isn t enough cash available. Set up a tiered ongoing adviser charge structure. Sell down process doesn t restrict online trading.

6 Adviser charges changes 6 We won t carry over pending and blocked fees to the Aegon Platform. We won t carry over unaffirmed fees to the Aegon Platform and clients won t link to current fee models following the upgrade. No segmentation. New and improved MI reports through Report Zone. No model portfolio rules other sell down options will still be available.

7 7 Taking an adviser charge

8 How to take an adviser charge (new products) 8 Fee models are no longer mandatory. You can use either ongoing charge models or just input the ongoing charge amount. Your clients will remain on their existing charging structures. To apply an initial adviser charge on single or regular contributions get in touch with us on We ll provide you with an illustration and the relevant application form. You can manage other charges in the Intermediary charges tab of the product summary screen. New clients can take charges: - from each product, or - through the GIA.

9 Initial charges on regular contributions 9 Charges on regular contributions can be taken in two ways: A fixed amount over payment period. For example, 500 to be paid over a maximum of 36 months. Define by contributions: - Monetary for example, 50 per month for a maximum of 36 months. - Percentage for example, a 3% of regular contribution for a maximum of 36 months.

10 10 Managing ongoing charges

11 Ongoing charges 11 You can view and amend ongoing charges in the Intermediary charges tab within each product summary. To make changes select Manage ongoing charges.

12 Fixed amount ongoing adviser charge 12

13 Percentage ongoing adviser charge 13

14 Model ongoing adviser charge 14

15 Change cash top-up method 15 From the Intermediary charges tab you can also view and amend the cash top-up method. Select the Change cash top-up method button.

16 Cash top-up method 16 You can select to sell from either the largest fund or nominated fund. Largest fund is the default option.

17 17 Redirecting charges

18 Manage product charges 18 You can choose to direct charges due on other products to the GIA to manage charges tax-efficiently. Select Manage product charges in the client summary screen to view how ongoing charges are set up for each product.

19 Payment options 19 From this screen you can select to redirect charges from your client s product into the GIA. You can select the GIA your client would like us to take the product charges from.

20 Direct debit for charges 20 In the Manage product charges screen you can also choose to set up a direct debit into the GIA to cover the product charges taken from the GIA. Select Next to choose the direct debit amount.

21 21 Managing cash

22 Managing cash There are five ways to manage cash within a product: We ll automatically sell the correct amount from the sellable funds. 2. Nominate a fund to sell down from an existing product this will ring fence the cash to cover charges. 3. Recurring switch to cash instruction we won t ring-fence the cash. 4. Online switch to cash top up cash whenever you need to. 5. Auto rebalance choose to rebalance your client s investment back to the current investment strategy this could include a percentage cash allocation.

23 Payment options 23 Product level Charges that can be paid from the product s cash facility: GIA Regular charges that can be paid from the GIA cash facility: Platform charge Ongoing adviser charges DFM charges Service charges SIPP drawdown charge or All ISA charges All GIA charges All SIPP charges

24 24 Key dates and reconciliation

25 Key dates 25 We calculate the ongoing adviser charge using the product value on the last working day of the month. We ll generate the payment on the first Monday of the month. If there isn t enough cash available to fund charges and a sell down is required, we ll make payment on the following Monday. We ll pay initial and ad hoc charges each Monday. All charges are paid by BACs.

26 Default sell down Managing charges 26 End of Month 1 Charge calculation We calculate all charges due on the last working day of the month. Month 2 Week 1 Charges paid If enough cash is available, we pay the charge charges by BACS each Monday morning. If there isn t enough cash available, we ll trigger the default sell down so that we ll pay the charge the following Monday. Month 2 Week 2 Charges paid We ll pay all charges from the proceeds of the default sell down sale proceeds must be cleared before the charge can be paid.

27 Reconciliation Managing charges 27 A comprehensive adviser charge report is available in Report Zone. Report Zone s in-depth MI makes it easier to check you re being paid correctly.

28 28 Visit cofunds.co.uk/upgrade for more information. Aegon is a brand name of both Scottish Equitable plc (No. SC144517) registered in Scotland, registered office: Edinburgh Park, Edinburgh EH12 9SE, and Cofunds Limited, Registered in England and Wales No , registered office: Level 43, The Leadenhall Building, 122 Leadenhall Street, London, EC3V 4AB. Both are Aegon companies. Scottish Equitable plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Cofunds Limited is authorised and regulated by the Financial Conduct Authority. Their Financial Services Register numbers are and respectively Aegon UK plc RTL379641/05/18

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