{"id":14396,"date":"2026-09-09T14:54:03","date_gmt":"2026-09-09T14:54:03","guid":{"rendered":"https:\/\/www.wealthtime.com\/advisers\/?page_id=14396"},"modified":"2026-09-10T13:34:37","modified_gmt":"2026-09-10T13:34:37","slug":"retirement","status":"publish","type":"page","link":"https:\/\/www.wealthtime.com\/advisers\/wealthtime\/retirement\/","title":{"rendered":"Retirement"},"content":{"rendered":"\n<section id=\"hero-block_74bd3d70a9c915d6b4bf34da9f312ec6\" class=\"hero black\">\n\n  \n    <div class=\"slider\" id=\"slider-block_74bd3d70a9c915d6b4bf34da9f312ec6\">\n\n      <div class=\"slider-wrapper\">\n\n        \n        \n          <div class=\"slide\" data-slide-index=\"1\" data-slide-active=\"true\">\n\n            \n\n  <img loading=\"lazy\" decoding=\"async\" width=\"1920\" height=\"1333\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2022\/08\/wealthtime-hero-1920x1333.jpg\" class=\"hero-image\" alt=\"row full-width hero\" srcset=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2022\/08\/wealthtime-hero-1920x1333.jpg 1920w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2022\/08\/wealthtime-hero-300x208.jpg 300w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2022\/08\/wealthtime-hero-1024x711.jpg 1024w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2022\/08\/wealthtime-hero-768x533.jpg 768w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2022\/08\/wealthtime-hero-1536x1067.jpg 1536w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2022\/08\/wealthtime-hero-2048x1422.jpg 2048w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2022\/08\/wealthtime-hero-640x444.jpg 640w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2022\/08\/wealthtime-hero-1200x833.jpg 1200w\" sizes=\"auto, (max-width: 1920px) 100vw, 1920px\" \/>\n\n<div class=\"grid content body-push left-aligned \">\n\n  <div class=\"content-wrap\">\n\n    <div class=\"wrap-inner\">\n\n      <p class=\"label\">Retirement<\/p>\n\n      \n        <h1 class=\"hero-title\">Everything advisers need for retirement planning<\/h1>\n\n      \n      \n      \n      \n        <div class=\"button-wrapper\">\n\n          <a class=\"button\" href=\"#book-a-demo\" target=\"\">Book your demo today<\/a>\n\n        <\/div>\n\n      \n      \n    <\/div>\n\n    \n  <\/div>\n\n  \n<\/div>\n          <\/div>\n\n          \n                \n      <\/div>\n\n      \n    <\/div>\n\n    \n<\/section>\n\n\n\n\n  <section class=\"page-menu\" id=\"page-menu\">\n\n    <div class=\"nav-wrapper-outer\" id=\"nav-wrapper-outer\">\n\n      <div class=\"body-push row\">\n        \n        <div class=\"nav-wrapper\" id=\"nav-wrapper-inner\">\n          <!-- Menu goes here -->\n          <ul id=\"page-nav\"><\/ul>\n        <\/div>\n\n      <\/div>\n\n    <\/div>\n\n  <\/section>\n\n\n\n\n<section id=\"signposts-block_45c8943551759d8840f74b9691e2d55c\" class=\" signposts light-gray signpost-bg-transparent\" id=\"signposts-block_45c8943551759d8840f74b9691e2d55c\"  >\n\n\t<div class=\"body-push row\">\n\n\t\t<div class=\"grid  layout-75-35\">\n\n\t\t\t<div class=\"col-1\">\n\n\t\t\t\t\n\t\t\t\t\t<h2 class=\"section-title\">Helping advisers deliver better retirement outcomes.<\/h2>\n\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t<div class=\"content\" data-animate-on-scroll='fade-up'>\n\n\t\t\t\t\t\t<p>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 \u2013 all on one platform.<\/p>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\n\t\t\t\n\t\t\t\t<div class=\"col-2\">\n\n\t\t\t\t\t<div class=\"image\" data-animate-on-scroll='fade-in'>\n\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"846\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS09.png\" class=\"attachment-small size-small\" alt=\"signpost row\" srcset=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS09.png 1200w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS09-300x212.png 300w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS09-1024x722.png 1024w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS09-768x541.png 768w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS09-640x451.png 640w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t<\/div>\n\n\t\t\t\n\t\t<\/div>\n\n\t\t\n\n\t\t\n\n\t\t\n\t<\/div>\n\n<\/section>\n\n\n\n\n<section id=\"signposts-block_10e8e549143f381a7dd2c05843d5cd24\" class=\" signposts bg-pattern-1 signpost-bg-black\" id=\"signposts-block_10e8e549143f381a7dd2c05843d5cd24\" data-anchor-text=\"Modern retirement proposition\" data-anchor-link=\"modern-retirement-proposition\">\n\n\t<div class=\"body-push row\">\n\n\t\t<div class=\"grid  layout-100-0\">\n\n\t\t\t<div class=\"col-1\">\n\n\t\t\t\t\n\t\t\t\t\t<h2 class=\"section-title\">The building blocks of a modern retirement proposition<\/h2>\n\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t<div class=\"content\" data-animate-on-scroll='fade-up'>\n\n\t\t\t\t\t\t<p>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.<\/p>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\n\t\t\t\n\t\t<\/div>\n\n\t\t\n\t\t\t<div class=\"grid signpost-row grid-cols-5 black\">\n\n\t\t\t\t\n\t\t\t\t\t\n\n    <article class=\"single-signpost black \" data-animate-on-scroll=\"fade-up\">\n\n        \n        \n        <div class=\"signpost-meta\">\n\n            \n            \n                <span class=\"description\">\n                    \n                    <h3 style=\"text-align: center;\"><a href=\"#flexi-access-drawdown\">Flexi-access drawdown<\/a><\/h3>\n                \n                <\/span>\n\n            \n            \n        <\/div>\n\n    <\/article>\n\n\n\t\t\t\t\n\t\t\t\t\t\n\n    <article class=\"single-signpost black \" data-animate-on-scroll=\"fade-up\">\n\n        \n        \n        <div class=\"signpost-meta\">\n\n            \n            \n                <span class=\"description\">\n                    \n                    <h3 style=\"text-align: center;\"><a href=\"#secure-lifetime-income\">Secure Lifetime Income<\/a><\/h3>\n                \n                <\/span>\n\n            \n            \n        <\/div>\n\n    <\/article>\n\n\n\t\t\t\t\n\t\t\t\t\t\n\n    <article class=\"single-signpost black \" data-animate-on-scroll=\"fade-up\">\n\n        \n        \n        <div class=\"signpost-meta\">\n\n            \n            \n                <span class=\"description\">\n                    \n                    <h3 style=\"text-align: center;\"><a href=\"#outstanding-investment-choice\">Outstanding investment choice<\/a><\/h3>\n                \n                <\/span>\n\n            \n            \n        <\/div>\n\n    <\/article>\n\n\n\t\t\t\t\n\t\t\t\t\t\n\n    <article class=\"single-signpost black \" data-animate-on-scroll=\"fade-up\">\n\n        \n        \n        <div class=\"signpost-meta\">\n\n            \n            \n                <span class=\"description\">\n                    \n                    <h3 style=\"text-align: center;\"><a href=\"#helpful-tools\">Planning and governance tools<\/a><\/h3>\n                \n                <\/span>\n\n            \n            \n        <\/div>\n\n    <\/article>\n\n\n\t\t\t\t\n\t\t\t\t\t\n\n    <article class=\"single-signpost black \" data-animate-on-scroll=\"fade-up\">\n\n        \n        \n        <div class=\"signpost-meta\">\n\n            \n            \n                <span class=\"description\">\n                    \n                    <h3 style=\"text-align: center;\"><a href=\"#dfm-and-mps\">DFM and MPS solutions<\/a><\/h3>\n                \n                <\/span>\n\n            \n            \n        <\/div>\n\n    <\/article>\n\n\n\t\t\t\t\n\t\t\t<\/div>\n\n\t\t\n\n\t\t\n\t\t\t\n\t\t\n\n\t\t\n\t<\/div>\n\n<\/section>\n\n\n<section id=\"flexi-access-drawdown\" class=\" signposts white signpost-bg-transparent\" id=\"flexi-access-drawdown\" data-anchor-text=\"Flexi-access drawdown\" data-anchor-link=\"flexi-access-drawdown\">\n\n\t<div class=\"body-push row\">\n\n\t\t<div class=\"grid  layout-100-0\">\n\n\t\t\t<div class=\"col-1\">\n\n\t\t\t\t\n\t\t\t\t\t<h2 class=\"section-title\">Flexi-access drawdown<\/h2>\n\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t<div class=\"content\" data-animate-on-scroll='fade-up'>\n\n\t\t\t\t\t\t<p>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:<\/p>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\n\t\t\t\n\t\t<\/div>\n\n\t\t\n\t\t\t<div class=\"grid signpost-row grid-cols-5 transparent\">\n\n\t\t\t\t\n\t\t\t\t\t\n\n    <article class=\"single-signpost transparent \" data-animate-on-scroll=\"fade-up\">\n\n        \n            <div class=\"image-wrapper\">\n\n            <img decoding=\"async\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS011_PTS011-scaled.png\" alt=\"signpost icon\" width=\"295px\" height=\"295px\" \/>\n\n            <\/div>\n        \n        \n        \n        <div class=\"signpost-meta\">\n\n            \n                <h3 class=\"subtitle\">\n                    \n                    Any-day withdrawals                \n                <\/h3>\n\n            \n            \n            \n        <\/div>\n\n    <\/article>\n\n\n\t\t\t\t\n\t\t\t\t\t\n\n    <article class=\"single-signpost transparent \" data-animate-on-scroll=\"fade-up\">\n\n        \n            <div class=\"image-wrapper\">\n\n            <img decoding=\"async\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS012_PTS012-1-scaled.png\" alt=\"signpost icon\" width=\"295px\" height=\"295px\" \/>\n\n            <\/div>\n        \n        \n        \n        <div class=\"signpost-meta\">\n\n            \n                <h3 class=\"subtitle\">\n                    \n                    Beneficiary drawdown from day one                \n                <\/h3>\n\n            \n            \n            \n        <\/div>\n\n    <\/article>\n\n\n\t\t\t\t\n\t\t\t\t\t\n\n    <article class=\"single-signpost transparent \" data-animate-on-scroll=\"fade-up\">\n\n        \n            <div class=\"image-wrapper\">\n\n            <img decoding=\"async\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS013_PTS013-scaled.png\" alt=\"signpost icon\" width=\"295px\" height=\"295px\" \/>\n\n            <\/div>\n        \n        \n        \n        <div class=\"signpost-meta\">\n\n            \n                <h3 class=\"subtitle\">\n                    \n                    Access to over 6,000 assets                \n                <\/h3>\n\n            \n            \n            \n        <\/div>\n\n    <\/article>\n\n\n\t\t\t\t\n\t\t\t\t\t\n\n    <article class=\"single-signpost transparent \" data-animate-on-scroll=\"fade-up\">\n\n        \n            <div class=\"image-wrapper\">\n\n            <img decoding=\"async\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS014_PTS014-scaled.png\" alt=\"signpost icon\" width=\"295px\" height=\"295px\" \/>\n\n            <\/div>\n        \n        \n        \n        <div class=\"signpost-meta\">\n\n            \n                <h3 class=\"subtitle\">\n                    \n                    Integrated model portfolio management                \n                <\/h3>\n\n            \n            \n            \n        <\/div>\n\n    <\/article>\n\n\n\t\t\t\t\n\t\t\t\t\t\n\n    <article class=\"single-signpost transparent \" data-animate-on-scroll=\"fade-up\">\n\n        \n            <div class=\"image-wrapper\">\n\n            <img decoding=\"async\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS015_PTS015-scaled.png\" alt=\"signpost icon\" width=\"295px\" height=\"295px\" \/>\n\n            <\/div>\n        \n        \n        \n        <div class=\"signpost-meta\">\n\n            \n                <h3 class=\"subtitle\">\n                    \n                    Flexible retirement income solutions                \n                <\/h3>\n\n            \n            \n            \n        <\/div>\n\n    <\/article>\n\n\n\t\t\t\t\n\t\t\t<\/div>\n\n\t\t\n\n\t\t\n\t\t\t\n\t\t\n\n\t\t\n\t<\/div>\n\n<\/section>\n\n\n<section id=\"secure-lifetime-income\" class=\" signposts black signpost-bg-white\" id=\"secure-lifetime-income\" data-anchor-text=\"Secure Lifetime Income\" data-anchor-link=\"secure-lifetime-income\">\n\n\t<div class=\"body-push row\">\n\n\t\t<div class=\"grid  layout-75-35\">\n\n\t\t\t<div class=\"col-1\">\n\n\t\t\t\t\n\t\t\t\t\t<h2 class=\"section-title\">Secure Lifetime Income<\/h2>\n\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t<div class=\"content\" data-animate-on-scroll='fade-up'>\n\n\t\t\t\t\t\t<p>One of the biggest challenges in retirement planning is balancing income security with flexibility. That\u2019s we\u2019ve integrated Just&#8217;s Secure Lifetime Income (SLI) solution into our platform.<\/p>\n<p>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\u2019s SIPP, rather than their bank account, allowing advisers and clients to decide how it\u2019s used. Income can be withdrawn when needed or reinvested back into the portfolio.<\/p>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t<div class=\"button-wrapper\">\n\n\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.wealthtime.com\/advisers\/wealthtime\/wealthtime-investments\/guaranteed-income\/\" target=\"_self\" class=\"button white\">Find out more<\/a>\n\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\n\t\t\t\n\t\t\t\t<div class=\"col-2\">\n\n\t\t\t\t\t<div class=\"image\" data-animate-on-scroll='fade-in'>\n\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"2560\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS016-01-scaled.png\" class=\"attachment-small size-small\" alt=\"signpost row\" srcset=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS016-01-scaled.png 2560w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS016-01-300x300.png 300w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS016-01-1024x1024.png 1024w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS016-01-150x150.png 150w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS016-01-768x768.png 768w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS016-01-1536x1536.png 1536w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS016-01-2048x2048.png 2048w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS016-01-640x640.png 640w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS016-01-1200x1200.png 1200w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS016-01-1920x1920.png 1920w\" sizes=\"auto, (max-width: 2560px) 100vw, 2560px\" \/>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t<\/div>\n\n\t\t\t\n\t\t<\/div>\n\n\t\t\n\n\t\t\n\n\t\t\n\t<\/div>\n\n<\/section>\n\n\n<section id=\"outstanding-investment-choice\" class=\" signposts white signpost-bg-black\" id=\"outstanding-investment-choice\" data-anchor-text=\"Outstanding investment choice\" data-anchor-link=\"outstanding-investment-choice\">\n\n\t<div class=\"body-push row\">\n\n\t\t<div class=\"grid reverse-layout layout-75-35\">\n\n\t\t\t<div class=\"col-1\">\n\n\t\t\t\t\n\t\t\t\t\t<h2 class=\"section-title\">Outstanding investment choice<\/h2>\n\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t<div class=\"content\" data-animate-on-scroll='fade-up'>\n\n\t\t\t\t\t\t<p>A retirement proposition should provide consistency without restricting adviser choice. That&#8217;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:<\/p>\n<ul>\n<li>Over 6,000 lines of assets<\/li>\n<li>4,000 funds from more than 300 fund managers<\/li>\n<li>Structured products from dozens of providers, including Investec, Morgan Stanley, Meteor and Walker Crips<\/li>\n<li>Equities traded on the FTSE All-Share, Gilts and corporate bonds, and investment trusts<\/li>\n<li>More than 400 ETFs, including aggregated trading on providers like DB x-Trackers, UBS, Lyxor and State Street<\/li>\n<li>Fractional ETF trading, allowing you to purchase ETFs down to 0.0001 of a unit<\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.wealthtime.com\/advisers\/wealthtime\/wealthtime-investments\/\">Visit our Investments page to learn more<\/a><\/p>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\n\t\t\t\n\t\t\t\t<div class=\"col-2\">\n\n\t\t\t\t\t<div class=\"image\" data-animate-on-scroll='fade-in'>\n\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"640\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS017.png\" class=\"attachment-small size-small\" alt=\"signpost row\" srcset=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS017.png 640w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS017-300x300.png 300w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS017-150x150.png 150w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t<\/div>\n\n\t\t\t\n\t\t<\/div>\n\n\t\t\n\t\t\t<div class=\"grid signpost-row grid-cols-1 black\">\n\n\t\t\t\t\n\t\t\t\t\t\n<a href=\"#book-a-demo\" target=\"_self\">\n    <article class=\"single-signpost black \" data-animate-on-scroll=\"fade-up\">\n\n        \n            <div class=\"image-wrapper\">\n\n            <img decoding=\"async\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS018-01-scaled.png\" alt=\"signpost icon\" width=\"295px\" height=\"295px\" \/>\n\n            <\/div>\n        \n        \n        \n        <div class=\"signpost-meta\">\n\n            \n                <h3 class=\"subtitle\">\n                    \n                    Smoothed Funds                \n                <\/h3>\n\n            \n            \n                <span class=\"description\">\n                    \n                    <p>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.<\/p>\n<p>They\u2019re 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.<\/p>\n<p>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.<\/p>\n                \n                <\/span>\n\n            \n            \n                <div class=\"button-wrapper\"> \n                    \n                    <p class=\"button white\">\n                        \n                        Speak to our team to learn more                        \n                    <\/p>\n                \n                <\/div> \n\n            \n        <\/div>\n\n    <\/article>\n\n<\/a>\n\t\t\t\t\n\t\t\t<\/div>\n\n\t\t\n\n\t\t\n\t\t\t\n\t\t\n\n\t\t\n\t<\/div>\n\n<\/section>\n\n\n<section id=\"helpful-tools\" class=\"accordion light-gray\" data-anchor-text=\"Helpful tools\" data-anchor-link=\"helpful-tools\">\n   \n  <div class=\"row content body-push\">\n\n    <div class=\"grid\">\n\n      <div class=\"content\">\n\n        \n        \n          <h2 class=\"section-title\">Practical tools to support governance, consistency and efficiency<\/h2>\n\n        \n        \n          <div class=\"description\">\n\n            <p>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.<\/p>\n\n          <\/div>\n\n        \n      <\/div>\n\n    <\/div>\n\n    \n\n    \n    \n      \n      \n        <div class=\"accordion\"> \n\n          \n            \n  <div class=\"accordion-item with-image icon-size\" data-animate-on-scroll=\"fade-up\">\n\n    <div class=\"accordion-top-half\"> \n\n      \n        <h3 class=\"accordion-title\">\n          \n          <button class=\"accordion-button grid inactive\" id=\"button-0\" aria-expanded=\"false\" aira-controls=\"tab-0\" aria-disabled=\"false\">\n          \n              \n                \n                  <span class=\"accordion-image\">\n\n                    <img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS019-01-150x150.png\" class=\"icon-size\" alt=\"row accordion icon\" srcset=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS019-01-150x150.png 150w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS019-01-300x300.png 300w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS019-01-1024x1024.png 1024w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS019-01-768x768.png 768w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS019-01-1536x1536.png 1536w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS019-01-2048x2048.png 2048w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS019-01-640x640.png 640w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS019-01-1200x1200.png 1200w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS019-01-1920x1920.png 1920w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/>\n                  <\/span>\n\n                \n              \n              \n                <div class=\"accordion-title-wrapper\">\n\n                            \n                      <h3 class=\"accordion-title\">Portfolio Performance Review<\/h3>\n            \n                  \n                  \n                <\/div>\n\n              \n          <\/button>\n        \n        <\/h3>\n\n          \n    <\/div>\n\n    \n      <div class=\"accordion-panel panel-closed\" id=\"tab-0\">\n      \n        <div class=\"grid\">\n\n          <span class=\"accordion-content\">\n\n            <p>Deep dive into your clients\u2019 portfolios to assess performance and other viable strategies. See money-weighted performance reporting with benchmark comparisons and a clear transaction history.<\/p>\n\n          <\/span>\n\n        <\/div>\n      \n      <\/div>\n      \n    \n    <\/div>\n\n\n            \n          \n            \n  <div class=\"accordion-item with-image icon-size\" data-animate-on-scroll=\"fade-up\">\n\n    <div class=\"accordion-top-half\"> \n\n      \n        <h3 class=\"accordion-title\">\n          \n          <button class=\"accordion-button grid inactive\" id=\"button-1\" aria-expanded=\"false\" aira-controls=\"tab-1\" aria-disabled=\"false\">\n          \n              \n                \n                  <span class=\"accordion-image\">\n\n                    <img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS020-01-150x150.png\" class=\"icon-size\" alt=\"row accordion icon\" srcset=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS020-01-150x150.png 150w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS020-01-300x300.png 300w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS020-01-1024x1024.png 1024w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS020-01-768x768.png 768w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS020-01-1536x1536.png 1536w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS020-01-2048x2048.png 2048w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS020-01-640x640.png 640w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS020-01-1200x1200.png 1200w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS020-01-1920x1920.png 1920w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/>\n                  <\/span>\n\n                \n              \n              \n                <div class=\"accordion-title-wrapper\">\n\n                            \n                      <h3 class=\"accordion-title\">Portfolio Scanner<\/h3>\n            \n                  \n                  \n                <\/div>\n\n              \n          <\/button>\n        \n        <\/h3>\n\n          \n    <\/div>\n\n    \n      <div class=\"accordion-panel panel-closed\" id=\"tab-1\">\n      \n        <div class=\"grid\">\n\n          <span class=\"accordion-content\">\n\n            <p>An in-depth portfolio analysis showing asset allocation, risk levels, sector and geographical exposure, performance data and top holdings.<\/p>\n\n          <\/span>\n\n        <\/div>\n      \n      <\/div>\n      \n    \n    <\/div>\n\n\n            \n          \n            \n  <div class=\"accordion-item with-image icon-size\" data-animate-on-scroll=\"fade-up\">\n\n    <div class=\"accordion-top-half\"> \n\n      \n        <h3 class=\"accordion-title\">\n          \n          <button class=\"accordion-button grid inactive\" id=\"button-2\" aria-expanded=\"false\" aira-controls=\"tab-2\" aria-disabled=\"false\">\n          \n              \n                \n                  <span class=\"accordion-image\">\n\n                    <img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS021-01-150x150.png\" class=\"icon-size\" alt=\"row accordion icon\" srcset=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS021-01-150x150.png 150w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS021-01-300x300.png 300w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS021-01-1024x1024.png 1024w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS021-01-768x768.png 768w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS021-01-1536x1536.png 1536w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS021-01-2048x2048.png 2048w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS021-01-640x640.png 640w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS021-01-1200x1200.png 1200w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS021-01-1920x1920.png 1920w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/>\n                  <\/span>\n\n                \n              \n              \n                <div class=\"accordion-title-wrapper\">\n\n                            \n                      <h3 class=\"accordion-title\">Cost and Charges Reporting<\/h3>\n            \n                  \n                  \n                <\/div>\n\n              \n          <\/button>\n        \n        <\/h3>\n\n          \n    <\/div>\n\n    \n      <div class=\"accordion-panel panel-closed\" id=\"tab-2\">\n      \n        <div class=\"grid\">\n\n          <span class=\"accordion-content\">\n\n            <p>Detailed FCA-aligned cost breakdowns, helping clients clearly understand the costs associated with their investments and advice.<\/p>\n\n          <\/span>\n\n        <\/div>\n      \n      <\/div>\n      \n    \n    <\/div>\n\n\n            \n          \n            \n  <div class=\"accordion-item with-image icon-size\" data-animate-on-scroll=\"fade-up\">\n\n    <div class=\"accordion-top-half\"> \n\n      \n        <h3 class=\"accordion-title\">\n          \n          <button class=\"accordion-button grid inactive\" id=\"button-3\" aria-expanded=\"false\" aira-controls=\"tab-3\" aria-disabled=\"false\">\n          \n              \n                \n                  <span class=\"accordion-image\">\n\n                    <img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS022-01-150x150.png\" class=\"icon-size\" alt=\"row accordion icon\" srcset=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS022-01-150x150.png 150w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS022-01-300x300.png 300w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS022-01-1024x1024.png 1024w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS022-01-768x768.png 768w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS022-01-1536x1536.png 1536w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS022-01-2048x2048.png 2048w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS022-01-640x640.png 640w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS022-01-1200x1200.png 1200w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS022-01-1920x1920.png 1920w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/>\n                  <\/span>\n\n                \n              \n              \n                <div class=\"accordion-title-wrapper\">\n\n                            \n                      <h3 class=\"accordion-title\">Ex-Ante Illustrations<\/h3>\n            \n                  \n                  \n                <\/div>\n\n              \n          <\/button>\n        \n        <\/h3>\n\n          \n    <\/div>\n\n    \n      <div class=\"accordion-panel panel-closed\" id=\"tab-3\">\n      \n        <div class=\"grid\">\n\n          <span class=\"accordion-content\">\n\n            <p>Expected costs and charges can be generated before investment decisions are made, supporting informed client conversations and record keeping.<\/p>\n\n          <\/span>\n\n        <\/div>\n      \n      <\/div>\n      \n    \n    <\/div>\n\n\n            \n          \n            \n  <div class=\"accordion-item with-image icon-size\" data-animate-on-scroll=\"fade-up\">\n\n    <div class=\"accordion-top-half\"> \n\n      \n        <h3 class=\"accordion-title\">\n          \n          <button class=\"accordion-button grid inactive\" id=\"button-4\" aria-expanded=\"false\" aira-controls=\"tab-4\" aria-disabled=\"false\">\n          \n              \n                \n                  <span class=\"accordion-image\">\n\n                    <img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS023-01-150x150.png\" class=\"icon-size\" alt=\"row accordion icon\" srcset=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS023-01-150x150.png 150w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS023-01-300x300.png 300w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS023-01-1024x1024.png 1024w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS023-01-768x768.png 768w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS023-01-1536x1536.png 1536w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS023-01-2048x2048.png 2048w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS023-01-640x640.png 640w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS023-01-1200x1200.png 1200w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS023-01-1920x1920.png 1920w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/>\n                  <\/span>\n\n                \n              \n              \n                <div class=\"accordion-title-wrapper\">\n\n                            \n                      <h3 class=\"accordion-title\">Model Portfolio Manager<\/h3>\n            \n                  \n                  \n                <\/div>\n\n              \n          <\/button>\n        \n        <\/h3>\n\n          \n    <\/div>\n\n    \n      <div class=\"accordion-panel panel-closed\" id=\"tab-4\">\n      \n        <div class=\"grid\">\n\n          <span class=\"accordion-content\">\n\n            <p>A flexible tool enabling advisers to manage their own model portfolios and monitor assets under management across portfolios.<\/p>\n\n          <\/span>\n\n        <\/div>\n      \n      <\/div>\n      \n    \n    <\/div>\n\n\n            \n          \n      <\/div>  \n        \n      \n      \n  \n    <div class=\"button-wrapper\">\n\n      <p><a href=\"https:\/\/www.wealthtime.com\/advisers\/wealthtime\/wealthtime-tools\/\" target=\"_self\" class=\"button black\">Explore more<\/a><\/p>\n\n    <\/div>\n  \n  \n  <\/div>\n\n<\/section>\n\n\n<section id=\"dfm-and-mps\" class=\"tools black \" data-anchor-text=\"DFM and MPS\" data-anchor-link=\"dfm-and-mps\" id=\"dfm-and-mps\">\n\n  <div class=\"body-push row\">\n\n    <div class=\"blurb-wrapper\">\n\n      <div class=\"column\">\n\n        \n          <h2>DFMs and MPS solutions<\/h2>\n\n        \n        \n      <\/div>\n\n    <\/div>\n\n    <div class=\"article-replace-section\"><\/div>\n    \n    <div class=\"article-original-section\">\n\n        <div class=\"grid black\" data-column-count=\"2\">\n                        \n                        \n            <div data-href=\"signpost-\" class=\"tools col-span-2\" id=\"tools-id-2\">\n\n                <article id=\"signpost-2\" class=\"tools-post black\">\n\n                    <div class=\"post-wrapper\">\n\n                        <div class=\"post-thumbnail\">\n\n                        \n                            \n                            <img decoding=\"async\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS024-01-1-scaled.png\" class=\"tools-thumbnail\" alt=\"tools-thumbnail placeholder\" \/>\n\n                        \n                        <\/div>\n\n                        \n                            <h3 class=\"post-title\">Decumulation portfolio solutions from Copia Capital <\/h3>\n\n                        \n                        <span class=\"meta\">\n\n                        <span class=\"blurb\" data-tab-id=\"\" data-mobile-state=\"false\">\n\n                            \n                                <p>Our friends at Copia Capital provide model portfolio solutions that are specifically designed to provide a durable and sustainable income to clients.<\/p>\n<p>Launched well in advance of the Thematic Review of Retirement Income Advice, and the regulator&#8217;s calls for more actual decumulation solutions, Copia\u2019s Retirement Income (RI) portfolios are ideal for clients who need purpose-built income portfolios that invest across multiple asset classes, locations and sectors.<\/p>\n<p>Retirement Income Plus (RI+) is a truly unique solution that integrates Just\u2019s SLI into the portfolios. Adding the low-risk SLI allows Copia\u2019s 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.<\/p>\n<p><a href=\"https:\/\/copia-capital.co.uk\/portfolio-services\/our-portfolio-range-decumulation\/\">Find out more about Copia\u2019s decumulation portfolios &gt;<\/a><\/p>\n\n                            \n                            \n                        <\/span>\n\n                                                    <span class=\"learn-more-button\">Learn more<span class=\"arrow-close\"><\/span>\n                        \n                    <\/div>\n\n                <\/article>\n\n            <\/div>\n\n            \n                        \n            <div data-href=\"signpost-\" class=\"tools col-span-2\" id=\"tools-id-3\">\n\n                <article id=\"signpost-3\" class=\"tools-post black\">\n\n                    <div class=\"post-wrapper\">\n\n                        <div class=\"post-thumbnail\">\n\n                        \n                            \n                            <img decoding=\"async\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS025-01-1-scaled.png\" class=\"tools-thumbnail\" alt=\"tools-thumbnail placeholder\" \/>\n\n                        \n                        <\/div>\n\n                        \n                            <h3 class=\"post-title\">Working with Discretionary Fund Managers (DFMs)<\/h3>\n\n                        \n                        <span class=\"meta\">\n\n                        <span class=\"blurb\" data-tab-id=\"\" data-mobile-state=\"false\">\n\n                            \n                                <p>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\u2019s investments online, make investment decisions and carry out transactions. They can also use our comprehensive model portfolio tools to tailor investment solutions.\u00a0This means DFMs, retirement assets, drawdown arrangements and guaranteed income can all be managed on a single platform.<\/p>\n<p><a href=\"https:\/\/www.wealthtime.com\/advisers\/wealthtime\/wealthtime-investments\/discretionary-fund-managers\/\">Explore our DFM list &gt;<\/a><\/p>\n\n                            \n                            \n                        <\/span>\n\n                                                    <span class=\"learn-more-button\">Learn more<span class=\"arrow-close\"><\/span>\n                        \n                    <\/div>\n\n                <\/article>\n\n            <\/div>\n\n            \n        <\/div>\n\n    <\/div>\n\n    \n        \n    <\/div>\n\n<\/section>\n\n\n\n\n<section id=\"book-a-demo\" class=\"title-and-description white\" data-anchor-text=\"Book a demo\" data-anchor-link=\"book-a-demo\">\n\n\t<div class=\"body-push row\">\n\n\t\t<div class=\"grid  layout-75-35\">\n\n\t\t\t<div class=\"col-1\">\n\n\t\t\t\t\n\t\t\t\t\t<h1 class=\"section-title\">Book a demo<\/h2>\n\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t<div class=\"description\">\n\n\t\t\t\t\t\t\t<p>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.<br \/>\n<script charset=\"utf-8\" type=\"text\/javascript\" src=\"\/\/js-eu1.hsforms.net\/forms\/embed\/v2.js\"><\/script><br \/>\n<script>\n  hbspt.forms.create({\n    portalId: \"25437690\",\n    formId: \"0125e648-a5f4-4f92-a959-b95ca7da0739\",\n    region: \"eu1\"\n  });\n<\/script><\/p>\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\n\t\t\t<\/div>\n\n\t\t\t\n\t\t\t\t<div class=\"col-2\">\n\n\t\t\t\t\t<div class=\"image\">\n\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"800\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS026-01.png\" class=\"attachment-small size-small\" alt=\"\" srcset=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS026-01.png 640w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/09\/PTS026-01-240x300.png 240w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t<\/div>\n\n\t\t\t\n\t\t\t\n\t\t<\/div>\n\n<\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":34,"featured_media":0,"parent":246,"menu_order":3,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-14396","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - 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