Retirement income planning

Guidance

In some cases your client may already know that they want a guaranteed income for life, provided by an annuity. We can help them research their options - by comparing rates from across the whole open market - and then support them through the application process.

Advice

Other clients may want to talk through their options in more detail. So our retirement specialists can take the time to get to know them, look at their health, wealth and retirement aspirations and give them a personal recommendation based on their individual circumstances. We're able to source annuities and drawdown products from the whole of the open market. 

• A service tailored to their needs, offered at their own pace at a time that’s convenient for them

• A dedicated case handler on hand to support them through the whole process

• No fee to pay unless they decide to buy a product

Our guidance and advice carries no obligation, and your client will only be charged if they decide to take out a solution.

Guidance

If your client purchases a guaranteed income for life solution, the costs of providing the guidance and arranging the solution will be met by a commission paid to us by their chosen provider. This is usually between 1.6% and 3.5% of the value of their net pension fund.

Advice

If your client purchases a solution we recommend, there will be a charge for our advice and for arranging the solution. This will be a fixed fee of £999. We will always agree the costs with the client up-front.

• The ability to support a wider range of clients

• Peace of mind that your clients are in safe, expert hands

• Retain ownership of your client and stay informed about progress

• For a non-advised annuity purchase, we’ll pay you an introducer fee of 1% of the completed purchase price. Where advice is provided, we’ll pay you an introducer fee of 1% of the net fund value at the point of recommendation (paid on completion), and subject to a maximum of £500.

• Simple registration and referral process

We are able to help clients:

• who are members of defined contribution schemes,

• who are UK residents with no plans to move outside of the UK within the next 12 months, and

• who don’t have any safeguarded benefits within their policies.