The Smart Choice for you and your clients

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1 Professional Advisers & Agents The Smart Choice for you and your clients WORKPLACE PENSIONS DON T THANK US. THEY LL THANK YOU.

2 Best choice for you and your clients Your expert opinion is trusted by clients and the workplace pension you recommend needs to work well for you and your team too. Smart Pension already offers the fastest, best value workplace pension for UK employers and our Adviser Platform has been built from the ground up to help advisers and agents auto enrol and manage clients quickly and efficiently, saving you time and money, and your clients fees. We are passionate about helping you to deliver the best service and value to your clients. Built specifically for auto enrolment, by a team with decades of experience in both pensions and technology, Smart Pension is the solution the professional market has been waiting for ultra quick and very easy to use, with a robust underlying pension proposition, no set up or ongoing fees for you or your clients, and a simple, great value charging structure for members. We take pride in our product, our innovation and our people and we hope you ll take pride in recommending us. Vital Statistics Smart Pension is a world class platform for workplace pensions and you can switch to us at any time, at no charge from us to you or your clients. Pension Scheme Registration Number HMRC Pension Scheme Tax Reference RM Chair of Trustees Capital Cranfield Trustees Limited Investment Consultant Barnett Waddingham Investment Funds Legal & General (>$1,000bn AUM) HSBC (Sharia Fund) Pensions Administrator Apex Fund Services ($45bn AUA) Register now: or call now on:

3 Why recommend Smart Pension? Great value for you and your clients free to use We do not charge set up or ongoing fees, to you or your clients. Members are charged a simple asset management charge. No hidden fees. Quick and easy fastest platform in the market Our Adviser Platform, based on our market leading solution for SMEs, has been built specifically for auto enrolment and with advisers and agents needs in mind. Our advanced payroll integrations make life even easier. Robust & secure 5 Star Defaqto rated, Legal & General funds Our custom-designed workplace pension proposition has already earned an enviable reputation and has been developed from years of relevant experience in pensions and technology, all based on the rock solid foundation of Legal & General funds. The Smart Pension team has done a brilliant job in building a successful platform which makes other businesses lives easier. Matthew Hancock Minister of State for Business, Energy and Enterprise, 2015

4 Robust and secure Expertise you can trust Fees Fair & Transparent Our Master Trust leverages the expertise of FCA regulated investment professionals who only invest pension funds in the largest of blue chip funds (such as Legal & General and HSBC (Sharia fund)), providing protection and opportunities for good, steady growth. But it doesn t end there. Our Master Trust is overseen by a board of independent trustees, appointed to serve members and to protect their interests. The trustees have control over scheme assets at all times, ensuring legislation is complied with and value for money criteria are adhered to. They work for members to safeguard their future. We charge employees a 0.75% Assets under Management Charge (AMC) per annum and no other fees for our standard service. We have no hidden transaction fees or other ways to bump up fees to employees. Our charges are fair and transparent. With a choice of FCA regulated funds and low, transparent fees, Smart Pension works for its members. TRADITIONAL Default Fund 1: 58 years old and under BALANCED Default Fund 2: 59 and 60 years old CONSERVATIVE Default Fund 3: 61 and 62 years old DEFENSIVE Default Fund 4: 63 years old and over L&G UK 100 Index Trust (60%) L&G US Index Trust (15%) L&G European Index Trust (10%) L&G Japan Index Trust (15%) L&G UK 100 Index Trust (42%) L&G US Index Trust (11%) L&G European Index Trust (11%) L&G Japan Index Trust (7%) L&G Cash (30%) L&G UK 100 Index Trust (24%) L&G US Index Trust (6%) L&G European Index Trust (4%) L&G Japan Index Trust (6%) L&G Cash (60%) L&G UK 100 Index Trust (5%) L&G Cash (95%) WE ALSO OFFER A FULLY COMPLIANT SHARIA FUND (HSBC). Claire Altman, Chair of the Board of Trustees After graduating from Cambridge University with a degree in Law, Claire qualified as a Barrister. Claire was a partner at Sacker & Partners LLP (a City law firm with a specialism in pensions), before she joined Capital Cranfield Trustees in 2009 as Client Director. Register now: or call now on:

5 Smart Pension s experienced and innovative team has built a robust workplace pension from the ground up. In taking advantage of the most up to date technology they have designed a new concept of master trust to scalably meet the needs of UK businesses, ensuring the highest levels of compliance with UK regulations and targeting best available outcomes for employee members in later life. Claire Altman, l Chair of Independent Trustees Capital Cranfield Trustees Ltd Proposition Structure REGULATED BY THE PENSIONS REGULATOR REGULATED BY THE FCA Adviser / Agent Independent Trustees Investment Manager Employers AutoEnrolment.co.uk Master Trust Pensions Administrator SP Platform Underlying Funds Funds Flow Apex Funds Services, our Pensions Administrator, is regulated by the FCA and is the world s largest independent funds administrator with over $45bn of assets under administration.

6 Your auto enrolment toolkit Comprehensive tools, support and guidance for you, your clients and their team Market-leading features Underpinning the Smart Pension platform are all the key features you could want: Initial and recurring employee eligibility assessment (optional) Automated statutory communications (letters) generation Employee groups, enabling differing contribution levels & matching criteria Digital e-signatures for speed and convenience Digital KYC/AML for speed and security Digital direct debit for easy collection of contributions Portal postponement options for individuals and companies Banded vs Unbanded contribution options Phased timing options for early starters Pre assessed contributions accepted Ability to onboard late stagers Comprehensive client and employee materials We provide supporting documents, brochures and fact sheets to assist you in presenting Smart Pension to your clients. Our Employee Video Generator allows you to create a bespoke video for your clients staff, explaining their new workplace pension. Our Knowledge Bank is comprehensive and along with our videos, tools and FAQs, answers almost any question you or your client might have. We are here to help The ease of use of our platform means most of our clients do not need our support to set up, however we are here to help. Please call us on if you have any questions. We believe our Adviser Platform is the best in the market already. Working with you, we will make it even better. Register now: or call now on:

7 What a life saver the Smart Pension platform has been. Tracy W, East Sussex Adviser Platform Our Adviser Platform leverages our best in class workplace pension for SMEs to deliver huge efficiency gains to the professional adviser and agent community. The platform allows you and your team to set up and manage multiple clients quickly and easily in a unified interface. You can manage as little or as much of your clients pension schemes as they want you to. Sharing clients with other advisers (eg IFAs + payroll agents working on same account) is also possible. Features releasing in early 2016 include user permission levels, and bulk tools to upload multiple clients in one batch. Payroll Solutions For many advisers, payroll is a key consideration when selecting an auto enrolment provider. We recognise the importance of payroll and have built multiple advanced payroll solutions: Simple payroll bulk upload tools (eg CSV, XML and XLS). Can accept pre-assessed or unassessed payroll. Bespoke Smart Pension reports available from payroll software firms. PAPDIS compliant, delivering compatibility with almost all payroll software. Access to pensionsync s entire roster of payroll providers with a single click. Direct integrations with a number of payroll software houses in progress. Public API for direct integrations by partners, free of charge. Please visit:

8 The Smart Pension Adviser Platform THE BEST CHOICE FOR YOU AND YOUR CLIENTS. DON T THANK US. THEY LL THANK YOU. The UK s most advanced workplace pension technology platform. No fees for you. No fees for your clients. Great value for employees. Why go anywhere else? Try it now. It s free! or call HOW TO SET UP YOUR FIRST CLIENT Go to: 1: Register as an adviser (estimate: 2 mins) 2: Set up your team (estimate: 5 mins) 3: Set up your first client (estimate: mins) That s it. Congratulations! You ve set up you first client! Register now at: OR CALL US NOW ON: Smart Pension Limited, 1 Lyric Square, London W6 0NB, United Kingdom. Registered in England under number As seen in: Smart Pension Limited does not provide investment, financial or any other type of professional advice, and none of the material or content of this brochure, our phone calls or other communications or our website should be taken as providing such advice. AutoEnrolment.co.uk Master Trust is regulated by The Pensions Regulator.