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Retirement

Everything advisers need for retirement planning

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Helping advisers deliver better retirement outcomes.

At Wealthtime, we provide the solutions advisers need to balance income security, flexibility and long-term growth for their clients. Our award-winning retirement proposition is designed to support modern retirement planning and Centralised Retirement Propositions (CRPs) combining drawdown, guaranteed income solutions, extensive investment choice and practical adviser tools – all on one platform.

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The building blocks of a modern retirement proposition

Our platform helps advice firms develop a consistent retirement framework that can be implemented across their client base, while retaining the flexibility to meet individual needs. Our range of solutions can be used to create a scalable and repeatable retirement advice process, and a framework for managing the key risks clients face in retirement.

Flexi-access drawdown

Drawdown is a core component of modern retirement planning. Available through the Wealthtime SIPP, our flexi-access drawdown solution provides the functionality required to support a wide range of retirement clients, including:

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Any-day withdrawals

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Beneficiary drawdown from day one

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Access to over 6,000 assets

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Integrated model portfolio management

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Flexible retirement income solutions

Secure Lifetime Income

One of the biggest challenges in retirement planning is balancing income security with flexibility. That’s we’ve integrated Just’s Secure Lifetime Income (SLI) solution into our platform.

At its core, SLI works similarly to a traditional annuity. A client uses part of their pension to secure a guaranteed income for life. But unlike a traditional annuity, the guaranteed income is paid directly into the client’s SIPP, rather than their bank account, allowing advisers and clients to decide how it’s used. Income can be withdrawn when needed or reinvested back into the portfolio.

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Outstanding investment choice

A retirement proposition should provide consistency without restricting adviser choice. That’s why we offer access to more than 6,000 assets across a broad range of investment solutions, enabling firms to support different client objectives and risk profiles within a single retirement framework. Our platform offers:

  • Over 6,000 lines of assets
  • 4,000 funds from more than 300 fund managers
  • Structured products from dozens of providers, including Investec, Morgan Stanley, Meteor and Walker Crips
  • Equities traded on the FTSE All-Share, Gilts and corporate bonds, and investment trusts
  • More than 400 ETFs, including aggregated trading on providers like DB x-Trackers, UBS, Lyxor and State Street
  • Fractional ETF trading, allowing you to purchase ETFs down to 0.0001 of a unit

Visit our Investments page to learn more

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Smoothed Funds

We were the first platform to offer Smoothed Funds within a SIPP. These funds use a smoothing mechanism designed to deliver more consistent returns over time, helping reduce the impact of market volatility and sequencing risk for income-drawing clients.

They’re typically made up of a mix of high and low-risk assets including UK and international equities, bonds, property, and cash. Smoothing works by applying returns to the fund steadily over time. This means, in periods of good market performance, some of the returns may be held back, and then applied during periods of poorer market performance to help cushion falls.

For firms developing segmented retirement propositions, Smoothed Funds can provide an additional solution for clients seeking greater stability and reduced exposure to short-term market movements.

Speak to our team to learn more

Practical tools to support governance, consistency and efficiency

We provide access to wide range of practical adviser tools to help firms standardise reviews, demonstrate suitability, evidence ongoing value and maintain consistency across advisers and client portfolios.

Deep dive into your clients’ portfolios to assess performance and other viable strategies. See money-weighted performance reporting with benchmark comparisons and a clear transaction history.

An in-depth portfolio analysis showing asset allocation, risk levels, sector and geographical exposure, performance data and top holdings.

Detailed FCA-aligned cost breakdowns, helping clients clearly understand the costs associated with their investments and advice.

Expected costs and charges can be generated before investment decisions are made, supporting informed client conversations and record keeping.

A flexible tool enabling advisers to manage their own model portfolios and monitor assets under management across portfolios.

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DFMs and MPS solutions

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Decumulation portfolio solutions from Copia Capital

Our friends at Copia Capital provide model portfolio solutions that are specifically designed to provide a durable and sustainable income to clients.

Launched well in advance of the Thematic Review of Retirement Income Advice, and the regulator’s calls for more actual decumulation solutions, Copia’s Retirement Income (RI) portfolios are ideal for clients who need purpose-built income portfolios that invest across multiple asset classes, locations and sectors.

Retirement Income Plus (RI+) is a truly unique solution that integrates Just’s SLI into the portfolios. Adding the low-risk SLI allows Copia’s award-winning investment team to allocate more of the portfolio to equities and alternatives, adding richer diversification and generating the opportunity to go for further growth with no increase in overall risk.

Find out more about Copia’s decumulation portfolios >

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Working with Discretionary Fund Managers (DFMs)

For firms working with a DFM or looking to in future, you can access a range of FCA-registered DFMs through our platform. Our intuitive trading system allows advisers, clients and DFMs to work directly together. DFMs can view a client’s investments online, make investment decisions and carry out transactions. They can also use our comprehensive model portfolio tools to tailor investment solutions. This means DFMs, retirement assets, drawdown arrangements and guaranteed income can all be managed on a single platform.

Explore our DFM list >

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Book a demo

Whether your firm is creating a new Centralised Retirement Proposition or enhancing an existing one, Wealthtime provides the flexibility, governance framework and retirement income solutions needed to deliver better retirement outcomes.