Why Standard Life for SIPP? For adviser use only
|
|
- Elmer Allen
- 5 years ago
- Views:
Transcription
1 Why Standard Life for SIPP? For adviser use only
2 Why Standard Life for SIPP? When considering which Self Invested Personal Pension provider to choose, there are different factors to think about. It s an important decision and you want to make the right choice for your clients. Some questions to consider are: What is important to your clients? Flexibility? Investment choice? A company with financial strength? What is the service and support that they offer? Any awards won for service? Does the provider support your business model? Offer the latest products/technology? Investing in developments? Committed to developing your business? Committed to the UK market? We offer a SIPP as a standalone retail product and a Wrap SIPP as part of our Wrap platform proposition. While the underlying product benefits and features are the same, each supports your client proposition in different ways for example, Wrap enables multi-product portfolio management and investment, including portfolio-level rebalancing and reporting to better support a more holistic wealth management advice service. Why Standard Life as a provider? We re consistently profitable with nearly 200 years experience, so you can relax in the knowledge that your clients money is with a well-established and well-respected organisation. We re a trusted award-winning brand so your clients investments are in safe hands. Around 4.5 million customers already trust us with their money. We re financially strong. Using this financial strength, we continually re-invest in our business to provide clients with the latest in product and technological improvements making it easy for you to meet their financial needs. For example, we ve invested significantly in our market-leading drawdown proposition so that you can be flexible with the propositions you offer clients. We administer 328 billion. And Standard Life plc is listed on the London Stock Exchange with around 1.2 million individual shareholders across over 50 countries. Our Group operating profit before tax is 341m. As at June In the UK we remain committed to the adviser market. We want your business to grow, so our strategies support independent financial advice through our products, services and platforms, and our aim is to continue to invest and grow this market particularly post pension freedoms. We want to keep you ahead of the competition. Our market-leading propositions are constantly evolving so that we are all ahead of the market. We can offer your clients what they need to make the most of their money, whatever life stage they re at. 2
3 As you know, your clients have different views on investments; different risk tolerances; some track their investments and want active discussions; others just want you to manage it for them. Whatever their preference, your clients will have the choice of a wide range of investment solutions, helping to meet their exact needs. We offer a range of investment options. Through this variety of choice, you can tailor your investment propositions to meet the needs of different client goals. We re a sustainable and competitive business. We recognise that it is important that the value of our company grows for our customers, employees and shareholders. Being sustainable means being here for the long term and giving your clients confidence. Why a Standard Life SIPP? Our market leading products and propositions provide a range of options to suit most client requirements, making it easy and flexible for you. This means, whatever your client is looking for during their different life stages pre and post retirement you can strive to meet their needs. We continually re-invest in our adviser propositions to ensure you and your clients receive the latest in product and technological improvements so you can make the most of your clients investments. For example, in 2016 we launched Tailored Drawdown which maximises flexibility in drawing pension income from tax-free and taxable pots within a SIPP. This aims to let you deliver the most appropriate outcome for your clients, personalised to their specific tax and income needs. Our continued focus and investment into building scalable solutions is designed to help you make the most of the opportunities the new pension freedoms have created. Our support on building a Centralised Investment Proposition (CIP) that suits your business objectives whilst aligning with client outcomes is an example of how we do this. This helps you to meet the ever-changing needs of your clients. We aim to take a progressive approach to managing regulatory change, so you can be sure your clients will always have access to compliant, future-proofed solutions. We have a mandatory Portfolio IT and Change Programme to support known and anticipated changes in product rules. We support the development and implementation of regulatory change in the industry by working directly with the FCA, DWP and Treasury, as well as through industry bodies. We also aim to meet the changing needs of customers looking to save for their future. We offer a cradle-to-grave service so the product is for life and is flexible to meet their needs, whatever stage they re at in their retirement journey. Why our SIPP proposition? Fully flexible product suitable throughout your client s lifetime: from accumulation and during retirement: can be used for saving, consolidation or spending and gifting phases. Product features can be tailored to suit client needs now and in the future: from simple through to complex. This flexibility will make it easy for you to meet client needs and adapt throughout their life stages. Comprehensive range of investment options allow you to tailor for client specific needs. This includes insured, mutual and exchange-traded funds, stocks and shares, bonds, commercial property and Discretionary Fund Managers. Through this wide range of options, you can offer the investment choices your client base will be looking for. As one of the UK's largest platforms, we can negotiate pricing deals with fund groups, potentially giving your clients access to one of the lowest priced range of funds available. Charging structure rewards higher value investments and differentiates so that clients only pay for what they use. This can keep costs down for your clients and help demonstrate the value that you can add. Comprehensive adviser charging options ensure tax-efficiency for your clients. We facilitate initial, ongoing ( or %) and ad-hoc adviser charging to fit your business model. 3
4 Wrap SIPP also offers: Integration with your own systems, where possible, allows our platforms to work seamlessly with your processes saving you time which can be spent with clients. Customisable reporting is available at client and firm/adviser level, allowing you access to the information you need, when you need it, at the touch of a button. Through our Investment Hub, you can access 74 Discretionary Fund Managers to manage investments whilst retaining full client reporting and servicing on-platform. This gives even wider investment choice and makes it easy for you to help clients achieve their financial goals. Our award-winning SIPP proposition makes it easy for you to run your business, leaving you with more time to focus on offering a valued service to your clients. What are the retirement/death benefit options? Our SIPP solutions are designed to be flexible, allowing your clients to easily access their money how, and when they want, from age 55. Retirement income can be paid on any day of the week on a monthly, quarterly, half-yearly or yearly basis. Flexible dates for regular payments (1st 28th monthly). This means there will be a payment date that will suit all your clients. Your clients can take ad-hoc payments and tax-free lump sums at any time. We ll normally make the payment within 5 days so they can access their money quickly. Pre-funded withdrawals allow quick and reliable access to pension income and less of a headache for you and your clients. Full flexibility available on income, which can be easily altered at no additional charge. Providing your clients with all this flexibility will mean that you ll be able to offer them exactly what they need when they need it. CHAPs payment options available reaching accounts within 24 hours so your clients have quick access to their money. Comprehensive death benefit options supporting effective estate planning. Online nomination allows you to quickly react to changing client circumstances, making sure the right beneficiaries are always up-to-date. Beneficiary SIPPs can be set up at any age to allow, upon death, a member s benefits to pass to nominated beneficiaries in the most tax-efficient way. Automated disinvestments from the investment solution to cover withdrawals and income requirements. Wrap SIPP Regular disinvestment from any investment held on the Wrap platform can be set up to meet withdrawals and income requirements. This can be supported by off platform investments so long as agreements are in place. Retail SIPP Income can be targeted from specific or all insured funds, and / or the SIPP Bank Account your clients choose to have income paid from. There should be enough to cover income requirements. If there is not, then we ll contact the client or you can discuss with them. 4
5 Why our drawdown proposition? A full suite of drawdown options are available flexi access, capped, drip feed and tailored meaning you have the maximum choice when choosing the best option for your clients. UFPLS style payments are also available. Supports effective tax planning by facilitating regular pension income, shaped around a client s requirements. For example, by combining a tax-free lump sum regular income with a pension, you can deliver a value-added proposition by creating a more tax-efficient income. Reduces administration costs in your business as the individual instructions will not be required for each phase of drawdown. The income instructions can be changed easily, at any point, to suit each individual s requirements as tax circumstances generally change on an annual basis. This will save you time which can be spent with your clients. This helps keep as much value within the pension as possible, only crystallising what is required, so your clients don t need to take out more than is necessary. Two income streams can be set up one from the tax-free cash entitlement and one from the taxable element. The only restrictions on these income streams are legislative i.e. Tax-free income can t be more than 25% of the un-crystallised pension fund. Taxable income can t be more than the value of the post-crystallised pension fund. It s a simple concept for you to explain to your clients. We have over twenty years of experience in drawdown, with over 16bn assets under management almost twice the amount of our closest competitors. Around 85,000 customers trust us with their drawdown plans, which is over a third more than any other drawdown provider, and we continue to meet their evolving needs. As at January What investment options are available? We offer a range of investment options to suit varying risk appetites and price points to help you meet your clients financial goals. And we make it easy for you to manage their investment portfolios. You can nominate an authorised third party Discretionary Fund Manager off platform to manage assets within the Retail SIPP or for Wrap SIPP. We offer access to 74 Discretionary Fund Managers, via the Investment Hub. 5
6 Your clients can access a wide range of investments through our SIPP, including: Insured, mutual and exchange traded funds Cash deposits Structured products Government and corporate bonds Commercial property UK and overseas company stocks and shares Standard Life Wealth s Managed Portfolio Service. You can also outsource some, or all of your investment management from risk-based funds and portfolios, such as our MyFolio multi-asset funds, through to full discretionary management services. However your Centralised Investment Proposition is set up, we can support you. SIPP also offers access to our MyFolio suite of diversified multi-asset funds. Why MyFolio? Our MyFolio funds offer 25 carefully constructed risk-based portfolios managed by Standard Life Investments, covering a choice of active and passive investment strategies across five risk levels and five investment styles. MyFolio funds aim to maximise returns for your client s selected level of risk through an innovative asset allocation approach. Using the range of selected asset classes, a strategic asset allocation benchmark is designed to generate the highest expected return for the given level of risk in each fund. Standard Life Investments currently engages with Moody s Analytics, world-leading experts in risk-modelling solutions, to identify the optimum strategic asset allocation for each fund. 10bn assets under administration in MyFolio funds at 31 October 2016 demonstrates that the range is very popular with our customers. What support do we provide? You can interact with us in a manner that suits you and we will help you reduce your administration burden. We have a large team of dedicated professionals available to answer your calls or s. Also ensuring our various customer operations run smoothly and with an average of just under 16 years' experience within Standard Life, you're in safe hands. We have the ability to deal with high demand. With an operations team that regularly answers over 150,000 customer calls a month, we are providing a service that customers feel happy to use providing the help they need, when they need it. We provide a wide variety of online functionality, including an online quote and apply process and online management of your clients retirement income options. This lets you complete transactions quickly and when it s convenient for you. 6
7 Our industry experts regularly publish articles covering topical subjects and highlighting opportunities, aiming to help you maximise every possible opportunity to develop your business. We have a track record of supporting advisers and delivering excellent customer service standards to your clients making us easy to deal with. Our People Satisfaction score is 96%. This is based on results from our telephone survey after advisers have used our Customer Operations centre. You ll also benefit from expert pensions, tax and technical support. Delivering the latest technical insight and opportunities to create value for your clients, our qualified and experienced technical team help you stay one step ahead. Our technical consultants are skilled and qualified in financial planning, taxation, trusts and estate planning. You can access our technical service through our Techzone website and you will receive a wealth of information that can help your business add value to your clients. For Retail SIPP we provide web chat capability for new business and client view, allowing you to service clients online. We offer a wide variety of planning tools to help you work more effectively with your clients, including risk questionnaires, our Income Drawdown Calculator and our Portfolio Analyser. How do we protect clients? Our financial strength The capital strength of our business is critical to the provision of our SIPP and other pension retirement propositions. As an insurer, we are subject to existing insurance regulations; our financial strength is monitored continuously and is subject to regular regulatory reporting. The company is well capitalised with a stable Solvency II surplus. Standard Life Assurance Limited is subject to insurance regulations and is out with the scope of the capital adequacy being proposed for SIPP Operators. Standard Life Assurance Limited has: A Financial Strength Rating of A+ / Stable from Standard & Poor s An Insurance Financial Strength Rating of A1 / Negative from Moody's. Standard Life Wrap Platform has an AKG rating B+ (very strong) and an AdviserAsset 2016 and 2017 Platinum Platform Rating. Compensation Your client has the maximum possible FSCS protection available depending on the type of assets held. We hold client money and client assets separate from Standard Life s own assets in accordance with the FCA s client money rules. The FSCS provides protection to consumers. However, different limits apply to different types of investments. For further information, please check the FSCS website or call We have sufficient professional indemnity and crime insurance to meet its required obligations, ensuring that we are adequately covered in the event that a claim is required. Data Protection We take data and system security very seriously and we comply with legislation at all times. We apply the appropriate safeguards to any personal data we collect, record or use to make sure that we comply with the data protection law. Please contact us if you would like more details as we understand that data security is important to your clients. 7
8 Interested in our SIPP? If you would like to know more about our SIPP, or if there s anything we can help with, please get in touch with your usual Standard Life contact or call us on We re open Monday to Friday, 9am to 5pm. Calls may be monitored and/or recorded to protect both you and us and help with our training. Call charges will vary. Award-winning solutions For drawdown 5 star Self Invested Personal Pension 2017 Moneyfacts ratings awards SIPP/SSAS Provider of the Year and Income Drawdown Provider of the Year Financial Adviser Life & Pensions awards 2016 Standard Life Assurance Limited and Standard Life Trustee Company Limited are owned by the Phoenix Group and use the Standard Life brand under licence from the Standard Life Aberdeen Group. You can find more information about Standard Life Aberdeen plc s strategic partnership with Phoenix at Standard Life Assurance Limited is the provider and scheme administrator of the Standard Life Self Invested Personal Pension Scheme, and Standard Life Trustee Company Limited is the trustee. Standard Life Assurance Limited is registered in Scotland (SC286833) at Standard Life House, 30 Lothian Road, Edinburgh EH1 2DH. Standard Life Trustee Company Limited is registered in Scotland (SC076046) at Standard Life House, 30 Lothian Road, Edinburgh, EH1 2DH. Standard Life Assurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. GEN Standard Life Aberdeen, reproduced under licence. All rights reserved.
Helping you manage your wealth. For Financial Adviser use with clients
Helping you manage your wealth For Financial Adviser use with clients Contents Page The simplicity of Wrap 03 How does Wrap work? 04 What is Standard Life Wrap? 05 Why Standard Life? 06 Why choose Standard
More informationStandard Life client suitability report aid
Standard Life client suitability report aid Important information please read This guide summarises the main features and benefits of Standard Life Wrap. It s designed to help you in your conversations
More informationDrawdown due diligence
Drawdown due diligence Adviser considerations 30 March, 2017 Looking beyond just product features and price. Do you have the right platform or pension provider in place to meet your client s needs in drawdown?
More informationSelf Invested Personal Pension. How it can work for you
Self Invested Personal Pension How it can work for you Contents 02 Combining your pensions 03 Maximising your tax efficiency 04 Your payment options 06 Your investment choices 07 Accessing your money 08
More informationTrust Based Pension Plan
Trust Based Pension Plan Key Features This is an important document. Please read it and keep for future reference. The Financial Conduct Authority is a financial services regulator. It requires us, Standard
More informationExecution-only stockbroking. An investor s guide
Execution-only stockbroking An investor s guide Contents 02 Getting started 04 Setting up and running your account 05 Keeping in touch We give customers the highest levels of support Which is why we ve
More informationMyFolio. A simpler solution to long-term investing. 1 A simpler solution to long-term investing - MyFolio
MyFolio A simpler solution to long-term investing 1 A simpler solution to long-term investing - MyFolio Contents 03 A simpler solution to long-term investing 04 What s in it for you? 06 Risk. What level
More informationYour investment choices and charges. Explaining the investment options and charges for our Group Self Invested Personal Pension
Your investment choices and charges Explaining the investment options and charges for our Group Self Invested Personal Pension Contents 02 Level 1 investments 04 Level 2 investments 06 Level 3 investments
More informationFlexible Pension Plan
Flexible Pension Plan Key features This is an important document. Please read it and keep for future reference. The Financial Conduct Authority is a financial services regulator. It requires us, Standard
More informationActive Money Self Invested Personal Pension. How it can work for you
Active Money Self Invested Personal Pension How it can work for you 2 Active Money Self Invested Personal Pension Contents 02 A single home for your pensions 03 Maximising your tax efficiency 04 Take charge
More informationMyFolio. A simpler solution to long-term investing
MyFolio A simpler solution to long-term investing Contents 02 A simpler solution to long-term investing 03 What s in it for you? 04 Risk. What level suits you? 05 Want to know your attitude to risk? 06
More informationGroup Additional Voluntary Contributions Plan. Making the most of your pension
Group Additional Voluntary Contributions Plan Making the most of your pension Contents 01 Get more from retirement 02 We can help 03 How it adds up 05 How your pension pays out 07 What are the charges?
More informationActive Money Personal Pension An adviser s guide to the benefits of our personal pension
Active Money Personal Pension An adviser s guide to the benefits of our personal pension This communication is intended for qualified advisers only and must not be relied upon by anyone else. Today s generation
More informationYour investment choices and charges. Explaining the investment options and charges for our Active Money Self Invested Personal Pension
Your investment choices and charges Explaining the investment options and charges for our Active Money Self Invested Personal Pension Contents 02 Level 1 investments 04 Level 2 investments 06 Level 3 investments
More informationElevate Regular Drawdown
Elevate Regular Drawdown Shaping income around a client s requirements Only for use with financial advisers Regular Drawdown full flexibility in the new world of retirement The pension market demands fresh
More informationYour future is full of choices
Your future is full of choices Planning what to do with your money A good place to start planning how to use the money in your pension is by understanding your options. Regulation changes and our flexible
More informationExecution-only stockbroking. An investor s guide
Execution-only stockbroking An investor s guide Contents 02 Getting started 04 Setting up and running your account 05 Keeping in touch We give customers the highest levels of support Which is why we ve
More informationOnshore Bond for Wrap
Onshore Bond for Wrap Key Features This is an important document. Please read it and keep it along with your personal illustration for future reference. The Financial Conduct Authority is a financial services
More informationStakeholder Pension Plan
Stakeholder Pension Plan Key features This is an important document. Please read it and keep for future reference. The Financial Conduct Authority is a financial services regulator. It requires us, Standard
More informationGroup Additional Voluntary Contributions Plan
Group Additional Voluntary Contributions Plan Annuity Review This is an important document. Please read it and keep for future reference. The Financial Conduct Authority is a financial services regulator.
More informationTrustee Buy-Out Plan. Key Features. Helping you decide
Trustee Buy-Out Plan Key Features This is an important document. Please read it and keep for future reference. The Financial Conduct Authority is a financial services regulator. It requires us, Standard
More informationHow blended funds can help you and your clients. A guide for consultants and advisers
How blended funds can help you and your clients A guide for consultants and advisers Contents 3 Reasons to consider blended funds 4 Who can use blended funds 5 How blended funds are structured 6 How blended
More informationGood governance is central to our Investment Proposition. For investment professionals only
Good governance is central to our Investment Proposition For investment professionals only Contents 02 What is governance? 04 Why is good governance so important? 05 How does the governance process work
More informationGroup Plan. Your guide to how it works
Group Plan Your guide to how it works Contents 01 What s your plan for retirement? 02 Why join our Group Plan? 04 What does your future look like? 05 What, where and how 07 It s your money 08 What happens
More informationProvide for your loved ones. A guide to death benefits from your pension plan
Provide for your loved ones A guide to death benefits from your pension plan This guide covers the death benefits from the following plans: Self Invested Personal Pension Group Self Invested Personal Pension
More informationGroup Personal Pension Flex
Group Personal Pension Flex Key features This is an important document. Please read it and keep for future reference. Key features document: Pages 1 18 Terms and conditions for joining: Pages 18 24 The
More informationPension Investment Plan
INVESTMENTS PENSIONS INTERNATIONAL ESTATE PLANNING Pension Investment Plan Prepare for retirement, consolidate your existing pensions Client Guide Straightforward Retirement Solutions Why Canada Life?
More informationProvide for your loved ones. A guide to death benefits from your pension plan
Provide for your loved ones A guide to death benefits from your pension plan This guide covers the death benefits from the following plans: Self Invested Personal Pension Group Self Invested Personal Pension
More informationSelf Invested Personal Pension for Wrap
Self Invested Personal Pension for Wrap Key features This is an important document. Please read it and keep for future reference. The Financial Conduct Authority is an independent financial services regulator.
More informationCollective Retirement Account
Key features of the Collective Retirement Account The Financial Conduct Authority is a financial services regulator. It requires us, Old Mutual Wealth, to give you this important information to help you
More informationYour guide to One Retirement
For adviser use only not approved for use with clients Your guide to One Retirement Contents Introducing One Retirement 2 Growth, income or both? 3 One Retirement fund range 3 Fund governance keeping our
More informationPension Portfolio J26372_LF10207_0318.indd 1 05/03/18 6:39 am
Pension Portfolio could be the perfect home for your pension. It allows you to take full advantage of the pension freedoms. Pension Portfolio has two options - Core and Choice - which are designed to meet
More informationExecutive Pension Plan
Executive Pension Plan Key features This is an important document. Please read it and keep for future reference. The Financial Conduct Authority is a financial services regulator. It requires us, Standard
More informationStakeholder Pension Plan Key Features
Stakeholder Pension Plan Key Features This is an important document. Please read it and keep for future reference. The Financial Conduct Authority is a financial services regulator. It requires us, Standard
More informationKey Features of the MetLife Retirement Portfolio
Key Features of the MetLife Retirement Portfolio Key Features of the MetLife Retirement Portfolio 1 Key Features of the MetLife Retirement Portfolio The Financial Conduct Authority is the independent
More informationKEY FEATURES OF THE RETIREMENT ACCOUNT FOR RETIREMENT INCOME. Important information you need to read
KEY FEATURES OF THE RETIREMENT ACCOUNT FOR RETIREMENT INCOME Important information you need to read THE FINANCIAL CONDUCT AUTHORITY IS AN INDEPENDENT FINANCIAL SERVICES REGULATOR. IT REQUIRES US, SCOTTISH
More informationFor adviser use only. Your Wrap guide. View only access
For adviser use only Your Wrap guide View only access Introduction If you acquire a client who holds assets on the Standard Life Wrap platform, you may be unclear as to how you can best service these assets.
More informationPLATFORM USER GUIDE. For Financial Advisers. [ Register now at embarkplatform.co.uk ]
PLATFORM USER GUIDE For Financial Advisers [ Register now at embarkplatform.co.uk ] CONTENTS 1 WHO ARE WE? 3 WHAT WE DO 5 INVESTMENT OFFERING 6 PRODUCT LINE-UP 7 SERVICE & SUPPORT WHO ARE WE? WHO ARE WE?
More informationGroup Flexible Retirement Plan
Group Flexible Retirement Plan Key features This is an important document. Please read it and keep it for future reference. Key features document: Pages 1 20 Terms and conditions for joining: Pages 21
More informationCONTENTS. The MPL Wealth Management Ltd Financial Planning Service in detail...pages 4 & 5
CONTENTS MPL Wealth Management Ltd Financial Planning Service... page 3 About MPL Wealth Management Ltd... page 3 What should I expect from my MPL adviser?... page 3 The MPL Wealth Management Ltd Financial
More informationActive Money Personal Pension Key Features
Active Money Personal Pension Key Features This is an important document. Please read it and keep for future reference. The Financial Conduct Authority is the independent financial services regulator.
More informationKEY FEATURES OF THE INCOME DRAWDOWN PLAN. Important information you need to read
KEY FEATURES OF THE INCOME DRAWDOWN PLAN Important information you need to read THE FINANCIAL CONDUCT AUTHORITY (FCA) IS A FINANCIAL SERVICES REGULATOR. IT REQUIRES US, SCOTTISH WIDOWS, TO GIVE YOU THIS
More informationTake control with Aegon Retirement Choices
For customers Take control with Aegon Retirement Choices Contents What is the Aegon Retirement Choices (ARC) platform? 2 Why do I need a platform? 3 Planning your future 3 Growth, income or both? 4 Choosing
More informationCorporate Stakeholder Pension Plan
Corporate Stakeholder Pension Plan Key features This is an important document. Please read it and keep for future reference. Key features document: Pages 1 15 Terms and conditions for joining: Pages 15
More informationFree Standing Additional Voluntary Contributions Plan
Free Standing Additional Voluntary Contributions Plan Key features This is an important document. Please read it and keep for future reference. The Financial Conduct Authority is a financial services regulator.
More informationKey Features of the Stakeholder Pension. For plans started on or after 1 February Retirement Investments Insurance Health
Key Features of the Stakeholder Pension For plans started on or after 1 February 2008 Retirement Investments Insurance Health Key Features of the Stakeholder Pension The Financial Conduct Authority is
More informationCollective Retirement Account
Key features of the Collective Retirement Account The Financial Conduct Authority is a financial services regulator. It requires us, Old Mutual Wealth, to give you this important information to help you
More informationInvesting in onshore bonds
Investing in onshore bonds Open up your options with our Tailored Investment Bond Before you decide to buy, you need to know what the risks and commitments are. Read our key features document (TNB17).
More informationPension death benefits
Pension death benefits Adviser guide For adviser use only. Section 1 Contents What do the pension death options mean for advice? Page 03 What s changed? 03 What will this mean for advice? 03 Option 1:
More informationRETIREMENT ACCOUNT ONE PENSION PLAN FOR LIFE ADVISER TECHNICAL GUIDE
RETIREMENT ACCOUNT ONE PENSION PLAN FOR LIFE ADVISER TECHNICAL GUIDE This information is for UK financial adviser use only and should not be distributed to or relied upon by any other person. PAGE 4 RETIREMENT
More informationMyFolio Active Making investing as simple as
MyFolio Active Making investing as simple as 1-2-3-4-5 MyFolio Active: making investing simple Do you have money to invest? If so, investment funds can be a good place to save over the long term. But with
More informationISA and Personal Portfolio
ISA and Personal Portfolio Key features This is an important document. Please read it and keep for future reference. The Financial Conduct Authority is a financial services regulator. It requires us, Standard
More informationVariable Protection Plan
Variable Protection Plan Key features This is an important document. Please read it and keep for future reference. The Financial Conduct Authority is a financial services regulator. It requires us, Standard
More informationStakeholder Pension Plan
Stakeholder Pension Plan Key features This is an important document. Please read it and keep for future reference. The Financial Conduct Authority is a financial services regulator. It requires us, Standard
More informationAegon Master Trust Drawdown Member Guide
Aegon Master Trust Drawdown Member Guide Contents Income drawdown 4 Eligibility for the Drawdown Account 5 How does the Drawdown Account work? 5 Help is on hand 6 Your Drawdown Account choices 7 Other
More informationRetirement Account. Key Features of the
Key Features of the Retirement Account The Financial Conduct Authority is a financial services regulator. It requires us, ReAssure, to give you this important information to help you decide whether our
More informationGuide for Standard Life WRAP. Managed Portfolio Service
Managed Portfolio Service Guide for Standard Life WRAP Managed Portfolio Service Contents 01 What is the Managed Portfolio Service? 02 What benefits can MPS offer? 03 At a glance: Conventional and Target
More informationCorporate Stakeholder Pension Plan Key features
Corporate Stakeholder Pension Plan Key features This is an important document. Please read it and keep for future reference. Key features document: Pages 1 15 Terms and conditions for joining: Pages 15
More informationActive Money Personal Pension Key Features
Active Money Personal Pension Key Features This is an important document. Please read it and keep for future reference. The Financial Conduct Authority is a financial services regulator. It requires us,
More informationTaking a lump sum from a plan already in Drawdown
Taking a lump sum from a plan already in Drawdown (only use this form if you are requesting a withdrawal of less than 50,000) What this form is for 0817 Only use this form if you have a Self Invested Personal
More informationSuitability Report paragraphs for the Prudential Retirement Account. For clients saving for retirement or taking an income from drawdown.
For Adviser use only not approved for use with clients Suitability Report paragraphs for the Prudential Retirement Account For clients saving for retirement or taking an income from drawdown. We appreciate
More informationYour Investment. Your Way. A guide to planning for your life savings
Your Investment. Your Way. A guide to planning for your life savings Building your future Contents 03 Building your future 04 Why Standard Life 06 Your options made simple 08 Make the right choice for
More informationTO FIT YOUR BUSINESS
For employers Retirement Solutions TAILORED SOLUTIONS TO FIT YOUR BUSINESS A guide for employers WORK SMARTER NOT HARDER These days, offering your workers a good pension is vital. Of course, as pensions
More informationUniversal strategic lifestyle profiles
Universal strategic lifestyle profiles Our Universal strategic lifestyle profiles (SLPs) are designed for customers who would like the flexibility to take their money the way they want when they retire,
More informationAnnuity strategic lifestyle profiles
Annuity strategic lifestyle profiles Our Annuity strategic lifestyle profiles (SLPs) are designed to be appropriate for customers who plan to take their full tax-free lump sum and buy a fixed annuity with
More informationCanInvest Select Account Investment solutions designed for you
INVESTMENTS PENSIONS INTERNATIONAL ESTATE PLANNING CanInvest Select Account Investment solutions designed for you Investing in your future The CanInvest Select Account Our Select Account is all about transparency,
More informationUnderstanding with profits. With Profits Pension Annuity
Understanding with profits With Profits Pension Annuity This booklet tells you how we manage our With Profits Pension Annuity business only. There are separate With Profits guides for other types of with
More informationSmall Self-Administered Scheme
Small Self-Administered Scheme Key Features This is an important document. Please read it and keep for future reference. The Financial Conduct Authority is a financial services regulator. It requires us,
More informationTERMS SHEET. PORTFOLIO PLUS SELF INVESTED PERSONAL PENSION
PORTFOLIO PLUS SELF INVESTED PERSONAL PENSION TERMS SHEET. This is an important document. Please keep it safe for future reference. This document details charges applicable to your plan and should be read
More informationEMPLOYEE BENEFITS. Retirement funds and group risk solutions for your employees
EMPLOYEE BENEFITS Retirement funds and group risk solutions for your employees DISCOVERY FOR BUSINESS 01 EMPLOYEE BENEFITS The global retirement savings gap is expected to grow to $400 trillion in 2050
More informationMyFolio suitability. Letter template
MyFolio suitability Letter template For use by professional advisers only This document is designed to aid you with your due diligence and outsourcing requirements by providing some factual information
More informationDUE DILIGENCE GUIDE. For Financial Advisers. [ Available online at embarkplatform.co.uk ]
DUE DILIGENCE GUIDE For Financial Advisers [ Available online at embarkplatform.co.uk ] CONTENTS 4 THE PLATFORM PROVIDER 5 TERMS & CONDITIONS 7 CHARGES 10 PRODUCT LINE-UP 12 ASSET CLASSES 13 FUNCTIONALITY
More informationADVISER DUE DILIGENCE GUIDE. Embark platform Adviser Due Diligence Guide
ADVISER DUE DILIGENCE GUIDE 1 CONTENTS 1 THE PLATFORM PROVIDER 2 TERMS & CONDITIONS 3 CHARGES 4 PRODUCT LINE UP 5 RANGE OF ASSET CLASSES 6 FUNCTIONALITY 7 ACCESSIBILITY 8 ADDITIONAL TOOLS 9 SERVICE & SUPPORT
More informationFor adviser use only. Estate planning The use of AIM IHT Investments
For adviser use only Estate planning The use of AIM IHT Investments Contents 01 A growing market 02 Key benefits 04 Key risks The information in this document is intended as a general guide and is not
More informationPENSION BENEFITS GUIDE HOW YOU CAN USE YOUR PENSION POT TO SUIT YOUR NEEDS
PENSION BENEFITS GUIDE HOW YOU CAN USE YOUR PENSION POT TO SUIT YOUR NEEDS With the flexibility you have to take benefits through your pension, it can be difficult to know what s best for you and your
More informationDUE DILIGENCE FOR THE COLLECTIVE RETIREMENT ACCOUNT AND DEFINED BENEFIT TRANSFERS
DUE DILIGENCE FOR THE COLLECTIVE RETIREMENT ACCOUNT AND DEFINED BENEFIT TRANSFERS For financial advisers only COLLECTIVE RETIREMENT ACCOUNT AND DEFINED BENEFIT TRANSFERS 2 COLLECTIVE RETIREMENT ACCOUNT
More informationSelf Invested Personal Pension and Group Self Invested Personal Pension
Self Invested Personal Pension and Group Self Invested Personal Pension Instruction for payment of death benefits Who this form is for You should complete this form to let Standard Life know how you would
More informationGroup Stakeholder Pension Plan Key features
Group Stakeholder Pension Plan Key features This is an important document. Please read it and keep for future reference. Key features document: Pages 1 17. Terms and conditions for joining: Pages 17 20.
More informationRetirement Investments Retirement Insurance Health Investments Insurance Health
Retirement Investments Insurance Health Investment Portfolio Investment Portfolio from Aviva Whatever your financial needs, Investment Portfolio offers you a wide range of investment options, giving you
More informationMember Guide Arriva Workplace Pension Plan
Arriva Workplace Pension Plan I'm dreaming of taking up deep sea fishing This member guide is designed to help you understand the Arriva Workplace Pension Plan so you can make decisions that are right
More informationPlatform Adviser guide
Platform Adviser guide For financial adviser use only. It should not be distributed to, or relied upon by, retail clients. Welcome to Elevate Choosing the right platform is one of the key decisions you
More informationMyFolio Market Keeping your investments on track
MyFolio Market Keeping your investments on track Contents 01 Keeping your investments on track 02 MyFolio Market five individual risk levels 03 Typical asset allocations 04 Why should you choose MyFolio
More informationKey Features of the Prudential Stakeholder Pension Plan for Salary Sacrifice Schemes only
Key Features of the Prudential Stakeholder Pension Plan for Salary Sacrifice Schemes only Please read this document along with your personal illustration (if you have one) before you decide to buy this
More informationYOUR GUIDE TO THE INVESTMENT BOND
YOUR GUIDE TO THE INVESTMENT BOND CONTENTS Welcome to the Investment Bond 03 Managing your Bond 04 Investment choice 06 Summary and charges 07 Tax and your Bond 08 YOUR GUIDE TO THE INVESTMENT BOND 2 of
More informationContents. Benefits for international investors 1. Why invest in Freedom Plus 2. An easier way to invest 3. Advice and guidance when you need it 4
Freedom Plus Contents Benefits for international investors 1 Why invest in Freedom Plus 2 An easier way to invest 3 Advice and guidance when you need it 4 Charges 5 What happens once you ve invested? 6
More informationOffshore investing. Explore your options with Standard Life International
Offshore investing Explore your options with Standard Life International Contents 02 Open up new horizons for your money 03 A bond that puts you in control 05 Moving abroad? 06 Have you used up your pension
More informationUnderstanding with profits. Stakeholder plans that started before 10 July 2006
Understanding with profits Stakeholder plans that started before 10 July 2006 This booklet tells you how we manage our with profits business for Stakeholder plans that started before 10 July 2006. i A
More informationAn Outline of your employer s executive pension plan Stanplan A Member s Outline
An Outline of your employer s executive pension plan Stanplan A Member s Outline Important: please read and keep for future reference Stanplan A A retirement and death benefits plan with Standard Life
More informationA FLEXIBLE RETIREMENT INCOME FOR WHATEVER THE FUTURE HOLDS LET S TALK HOW. PENSION DRAWDOWN
A FLEXIBLE RETIREMENT INCOME FOR WHATEVER THE FUTURE HOLDS LET S TALK HOW. PENSION DRAWDOWN INTRODUCING FLEXIBLE RETIREMENT INCOME What do you think you ll be doing in ten years time? Or twenty? It s not
More informationFlexible Transitions Account
Flexible Transitions Account Key features of the Flexible Transitions Account The Financial Conduct Authority is a financial services regulator. It requires us, LV=, to give you this important information
More informationActive Plus III Universal Strategic Lifestyle Profile
Active Plus III Universal Strategic Lifestyle Profile The Active Plus III Universal Strategic Lifestyle Profile (SLP) has been chosen as the low-involvement option for your pension plan. It s considered
More informationNew Generation Personal Pension
Key Features of the New Generation Personal Pension Reference MPEN1/A 04.18 The Financial Conduct Authority is a financial services regulator. It requires us, Aviva Life & Pensions UK Limited, to give
More informationKEY FEATURES OF THE RETIREMENT ACCOUNT FOR RETIREMENT PLANNING. Important information you need to read
KEY FEATURES OF THE RETIREMENT ACCOUNT FOR RETIREMENT PLANNING Important information you need to read THE FINANCIAL CONDUCT AUTHORITY IS A FINANCIAL SERVICES REGULATOR. IT REQUIRES US, SCOTTISH WIDOWS,
More informationInvesting in gold bullion within your Active Money SIPP
Investing in gold bullion within your Active Money SIPP i Our Active Money SIPP offers a wide choice of specialist investments for SIPP investors. Contents 01 Investing in gold bullion through your Active
More informationNew Generation Personal Pension
To be used with Group Personal Pension Schemes that comply with Automatic Enrolment Regulations. Key Features of the New Generation Personal Pension Reference MPEN30/A 04.18 The Financial Conduct Authority
More informationFor professional advisers only A CLOSER LOOK AT PENSION PORTFOLIO. Adviser technical guide. Pension Portfolio
For professional advisers only A CLOSER LOOK AT PENSION PORTFOLIO Pension Portfolio Adviser technical guide CONTENTS Introducing Pension Portfolio 3 Every client. Every situation 4 Adapting Pension Portfolio
More informationTERMS SHEET RDR. portfolio plus pension (with SElf investment) This is an important document. Please keep it safe for future reference.
1 PORTFOLIO PLUS PENSION (with SELF INvESTment) TERMS SHEET RDR portfolio plus pension (with SElf investment) TERMS SHEET This is an important document. Please keep it safe for future reference. 2 PORTFOLIO
More informationStandard Life Active Retirement For accessing your pension savings
Standard Life Active Retirement For accessing your pension savings Standard Life Active Retirement our ready-made investment solution that allows you to access your pension savings while still giving your
More informationKey features. Self Invested Personal Pension
Self Invested Personal Pension Key features The Financial Conduct Authority is the independent financial services regulator. It requires us, AJ Bell Management Limited, to give you this important information
More informationCapital Investment Bond and Distribution Bond Key Features (Additional investment only)
Capital Investment Bond and Distribution Bond Key Features (Additional investment only) This is an important document. Please read it and keep for future reference. The Financial Conduct Authority is a
More information