Adviser Zone

 

Obtain an estimate of your Client’s State Pension


ni-card
If your client does not know the value of their expected State Pension you can obtain a free estimate by clicking here.

 

Find a Client’s lost pension


gov-uk
It is easy for clients to lose touch with pension entitlements from previous employers. Fortunately, HM Govt provide a free online Pension Tracing Service. Please click here if you would like to find a lost pension.

 

Protect your clients against pension scams


scorpion-pod-img
Pension scams are on the increase in the UK and you play a crucial role in helping your clients protect their retirement savings. The Pensions Regulator has produced a range of materials to help you protect your clients from becoming victims of a pension scam. Please click here to obtain more information.

About our Cash Retirement Account


brochure picture
Customer Guide to the Cash Retirement Account A customer guide to the product, how it works, the benefits and risks with example case studies.


Key Features Document and Terms and Conditions
The Key Features and additional detailed information about the Cash Retirement Account.


Due Diligence document
An information pack about Assured Retirement, our Cash Retirement Account and the financial backing that supports our product.


iStock_000037774738Large
10 Facts about the Cash Retirement Account
A one page summary of some of the features and benefits that make our Cash Retirement Account different.


macbook-624707_1280
Cash Retirement Account Application Form
Our preference is for applications to be processed electronically via our website. However, if your advisory process is better suited to capturing application details on paper, please use the attached application form.


iStock_000035454232XXLarge
How does the Cash Retirement Account Compare to alternatives?
A summary of the benefits and risks compared to other retirement plans.


How does the Cash Retirement Account compare to competitors, based on a £85,000 investment and an annual income of £3,825?
A comparison of total returns versus competitors.


How does the Cash Retirement Account compare to competitors, based on a £150,000 investment and an annual income of £6,750?
A comparison of total returns versus competitors.


key-470345_1280
Are all of your cash savings protected?
A summary of how we invest your cash and how the FSCS protects these investments.

About our Select Retirement Account


Customer Guide to the Select Retirement Account A customer guide to the product, how it works, the benefits and risks with example case studies.


Key Features Document and Terms and Conditions
The Key Features and additional detailed information about the Select Retirement Account.


Due Diligence document
An information pack about Assured Retirement, our Select Retirement Account and the financial backing that supports our product.


iStock_000037774738Large
10 Facts about the Select Retirement Account
A one page summary of some of the features and benefits that make our Select Retirement Account different.


macbook-624707_1280
Select Retirement Account Application Form
In order to proceed, please use the attached application form.
 

Case Studies


iStock_000019205800Large
New Pension Freedoms Case Study – The risks of high levels of income withdrawals
A case study highlighting the risks of high levels of income withdrawals.


iStock_000015976639XLarge
Case Study – Using the Cash Retirement Account to retire early
A case study showing how the Cash Retirement Account could be used to retire early.


A happy mature couple spending time together
Case Study – Using the Cash Retirement Account to keep your options open
A case study showing how the Cash Retirement Account could be used to provide an income now but not restrict your future options.


Portrait Indian family at home. Grandchildren kissing on grandparent face. Asian people living lifestyle.
Case Study – Using the Cash Retirement Account to save tax
A case study showing how the Cash Retirement Account could be used to save tax.


iStock_000026882094Large
Case Study – Using the Cash Retirement Account to de-risk drawdown
A case study showing how the Cash Retirement Account could be used as a low risk part of a larger drawdown portfolio.

 


Mother and bride hugging
Case Study – Using the Cash Retirement Account as part of a mixture of products
A case study showing how the Cash Retirement Account could be used as part of a retirement solution involving a mixture of products.

 


2011-ferrari-458-italia-spider_100227285_l
Can your pension fund afford an italian sports car?
Fact or fiction – will pension freedoms produce a nation of Ferrari owning pensioners?

 

Technical Guides


redbriefcase
New Pension Flexibility – A summary of the changes
A summary of the pension changes which came into effect on 6th April 2015.


taxes-646504_1280
Taxation of your Cash Retirement Account
A summary of how the Cash Retirement Account is taxed.


question-mark-160071_1280
Frequently Asked Questions
Answers to frequently asked questions about the Cash Retirement Account.


iStock_000021592291XLarge
Means Tested Benefits and New Pensions Flexibility – A Warning
A warning about taking lump sums/income from your pension if you are receiving means tested benefits.


businesswoman-617128_1280
Jargon Buster
An explanation of some of the common words and phrases used in UK pensions.


pound-414419_1280
An explanation of the Money Purchase Annual Allowance
A guide to the Money Purchase Annual Allowance.


business-21856_1280
An explanation of the Tax Free Lump Sum Recycling Rules
A guide to the rules regarding the recycling of Tax Free Lump Sums.


bank-15617_1280
Why invest in Cash?
Interest rates are close to an all time low – why should you still consider a cash based investment.


MJFront_3076674b
Annuity rates close to their lowest ever levels
Annuity rates are falling because of factors including rock bottom gilt yields and people living longer. The chart shows how the gilt yields and annuity rates are closely aligned.


Financial Services Compensation Scheme
A guide to how the Financial Services Compensation Scheme Protects your money.


TOB
Terms of Business Agreement
Our terms of business for financial advisory firms.


iStock_000010930033XLarge
Template Suitability Report
A template suitability report/letter for use by advisers to amend to suit their client’s circumstances.


pig-umbrella-580x358
Death Benefits-Expression of Wish
An expression of wish form to help clients to nominate who should receive the pension benefits in the event of their death.


gov-uk
A DWP guide to Pension Flexibility and the impact on State Benefits
A guide published by the DWP summarising the potential impact on State Benefits of Pension Flexibility.