Our Service

When a client is referred through to us to complete the advice we initially discuss what existing planning is in place and what the client is looking to achieve. Every element of the advice will ultimately need to be in the best interests of the client in line their current and future objectives and achievable based on their attitude to risk.

Once we have received all the policy information we comprehensively review the occupational scheme. This review covers:

• Level of benefits within the scheme
• Pre A Day PCLS (scheme specific in excess of 25%)
• CETV
• GMP
• Details of spouses benefits / death benefits
• Escalation / growth of pension
• Critical yields to match the existing scheme
• Guarantees
• Tax Free Cash levels and entitlement
• Solvency margins / position of the scheme

We then confirm whether the any considered advice is in the best interests of the client. Providing the advice is approved we can then proceed with any proposed recommendation. At this point we then issue the quotes to you and the client.

We then offer to visit the client with you or alternatively complete the advice process at distance. Providing the client is satisfied with the advice and terms we proceed with the processing of the business. This business then processes through our agency as per any other transaction with all the standard reporting and compliance measures. All final salary cases are then checked through Simply Biz of whom we are Directly Authorised.

Once the advice is completed, policy documents issued and the cooling off period expires we automatically transfer the pension servicing and any renewal commissions to your agency. We then issue a fee or commission split by BACs transfer to your account. That then concludes any dealings we have with that client unless you initiate it as the IFA.
 

 Download the FS Advisor Request for Information