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We put you in control of your clients' financial futures. Providing you with the flexibility to manage wealth accumulation and retirement income in one place, we can support your clients throughout their working life and into retirement.

Many people now opt for a more gradual transition from working life into retirement. Our SIPP offers the flexibility to support a phased approach, allowing a seamless transition from saving to taking an income. 

Features and benefits at a glance

  • Ability to sell funds proportionately or target funds and amount when selling for the pension commencement lump sum or moving into drawdown.
  • Transition seamlessly from tax-efficient pension saving to taking an income.
  • Access a wide range of investment options catering for different savings needs.
  • Benefit from a simple transfer process – transfer an old pension to our SIPP.

With our SIPP, your clients can choose:

  • how much income they take;
  • how to take their income and any pension commencement lump sum cash (normally from age 55);
  • when to start taking income;
  • to keep their money invested until they need it, and
  • when to draw cash lump sums.

What's included?

Drawdown pension?
Flexi-access drawdown?
Yes - no limit to income taken from pension.
Uncrystallised funds pension lump sum (UFPLS)
Fund transfer in/out
Minimum transfer value
Minimum single/regular contribution
£1 each month

The flexibility of a SIPP, the wide range of investment options and the ability for you and your clients to actively manage their investments are all good reasons to use our SIPP.

However, because of this flexibility, SIPPs generally have higher costs than a standard personal pension, and in particular a stakeholder pension plan. For this reason, a SIPP won't be suitable for everybody.   

The value of the investments with a pension can fall as well as rise.  The value of a client’s pot at retirement may be less than they pay in.  All payments into a client’s pension pot are normally tied up until they take their benefits, which is usually any time from age 55.