{"id":246,"date":"2023-08-21T16:37:09","date_gmt":"2023-08-21T16:37:09","guid":{"rendered":"https:\/\/www.wealthtime.com\/adviser\/?page_id=246"},"modified":"2026-07-10T16:09:00","modified_gmt":"2026-07-10T16:09:00","slug":"wealthtime","status":"publish","type":"page","link":"https:\/\/www.wealthtime.com\/advisers\/wealthtime\/","title":{"rendered":"Wealthtime Platform"},"content":{"rendered":"\n<section id=\"hero-block_90abc19b11c64c4e695347882ea7a2f4\" class=\"hero black\">\n\n  \n    <div class=\"slider\" id=\"slider-block_90abc19b11c64c4e695347882ea7a2f4\">\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\">Wealthtime platform<\/p>\n\n      \n        <h1 class=\"hero-title\">Human at the front. Smart at the core.<\/h1>\n\n      \n      \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=\"About-us\" class=\" signposts light-gray \" id=\"About-us\"  >\n\n    <div class=\"body-push row\">\n\n        <div class=\"grid  layout-100-0\">\n\n            <div class=\"col-1\">\n                \n                \n                \n                    <div class=\"content\" data-animate-on-scroll='fade-up'>\n\n                        <h2>We\u2019re Wealthtime, an award-winning investment platform that helps advisers deliver the best outcomes for their clients.<\/h2>\n<h4>Our technology is modern, intuitive and always improving. It keeps things running as they should and helps you stay focused on your clients.<\/h4>\n<h4>We\u2019ve spent over 18 years listening to advisers and building a platform that puts them first. Whether it\u2019s our flexible range of wrappers, our outstanding choice of investments, or our market-leading investment tools \u2013 a platform that feels like a partner.<\/h4>\n<h4><span data-contrast=\"auto\">Human at the front. Smart at the core.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/h4>\n<p>&nbsp;<\/p>\n<h3>Our credentials<\/h3>\n<p>&nbsp;<\/p>\n\n                    <\/div>\n\n                \n                \n            <\/div>\n\n            \n        <\/div>\n\n        \n            <div class=\"grid signpost-row grid-cols-3 white-with-gradient\">\n\n                \n                    \n\n    <article class=\"single-signpost white-with-gradient stat-active\" data-animate-on-scroll=\"fade-up\">\n\n        \n        \n            <h3 class=\"stat\">\n                \n                18\n                <sup>years&#8217;<\/sup>\n            \n            <\/h3>\n\n        \n        <div class=\"signpost-meta\">\n\n            \n                <h3 class=\"subtitle\">\n                    \n                    Experience in the platform market                \n                <\/h3>\n\n            \n            \n            \n        <\/div>\n\n    <\/article>\n\n\n                \n                    \n\n    <article class=\"single-signpost white-with-gradient stat-active\" data-animate-on-scroll=\"fade-up\">\n\n        \n        \n            <h3 class=\"stat\">\n                \n                1,450\n                <sup><\/sup>\n            \n            <\/h3>\n\n        \n        <div class=\"signpost-meta\">\n\n            \n                <h3 class=\"subtitle\">\n                    \n                    Adviser firms using our platform                \n                <\/h3>\n\n            \n            \n            \n        <\/div>\n\n    <\/article>\n\n\n                \n                    \n\n    <article class=\"single-signpost white-with-gradient stat-active\" data-animate-on-scroll=\"fade-up\">\n\n        \n        \n            <h3 class=\"stat\">\n                \n                4,000\n                <sup><\/sup>\n            \n            <\/h3>\n\n        \n        <div class=\"signpost-meta\">\n\n            \n                <h3 class=\"subtitle\">\n                    \n                    Adviser users                \n                <\/h3>\n\n            \n            \n            \n        <\/div>\n\n    <\/article>\n\n\n                \n                    \n\n    <article class=\"single-signpost white-with-gradient stat-active\" data-animate-on-scroll=\"fade-up\">\n\n        \n        \n            <h3 class=\"stat\">\n                \n                66.5k\n                <sup><\/sup>\n            \n            <\/h3>\n\n        \n        <div class=\"signpost-meta\">\n\n            \n                <h3 class=\"subtitle\">\n                    \n                    Investors investing with us                \n                <\/h3>\n\n            \n            \n            \n        <\/div>\n\n    <\/article>\n\n\n                \n                    \n\n    <article class=\"single-signpost white-with-gradient stat-active\" data-animate-on-scroll=\"fade-up\">\n\n        \n        \n            <h3 class=\"stat\">\n                \n                B\n                <sup>(Strong)<\/sup>\n            \n            <\/h3>\n\n        \n        <div class=\"signpost-meta\">\n\n            \n                <h3 class=\"subtitle\">\n                    \n                    AKG financial strength rating                \n                <\/h3>\n\n            \n            \n            \n        <\/div>\n\n    <\/article>\n\n\n                \n                    \n\n    <article class=\"single-signpost white-with-gradient stat-active\" data-animate-on-scroll=\"fade-up\">\n\n        \n        \n            <h3 class=\"stat\">\n                \n                \u00a312.26\n                <sup>bn<\/sup>\n            \n            <\/h3>\n\n        \n        <div class=\"signpost-meta\">\n\n            \n                <h3 class=\"subtitle\">\n                    \n                    Assets under Administration (AUA)                \n                <\/h3>\n\n            \n            \n            \n        <\/div>\n\n    <\/article>\n\n\n                \n            <\/div>\n\n            \n\n\n                \n            \n        \n\n        \n    <\/div>\n\n<\/section>\n\n\n<section id=\"Our-journey\" class=\" signposts black \" id=\"Our-journey\"  >\n\n    <div class=\"body-push row\">\n\n        <div class=\"grid  layout-100-0\">\n\n            <div class=\"col-1\">\n                \n                                     \n                    <h2 class=\"section-title\">Our journey<\/h2>\n\n                \n                \n                    <div class=\"content\" data-animate-on-scroll='fade-up'>\n\n                        <p><span class=\"TextRun SCXW264349550 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW264349550 BCX0\">Established in 2008 as Novia, <\/span><span class=\"NormalTextRun SCXW264349550 BCX0\">we\u2019re<\/span><span class=\"NormalTextRun SCXW264349550 BCX0\"> now part of <a href=\"http:\/\/thequantagroup.com\" target=\"_blank\" rel=\"noopener\">The Quanta Group<\/a><strong>,<\/strong> with over 12bn AUA.<\/span><\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-12833 size-full\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/03\/timeline-graphic_0326.2-scaled.jpg\" alt=\"Timeline of milestones in company history\" width=\"2560\" height=\"800\" srcset=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/03\/timeline-graphic_0326.2-scaled.jpg 2560w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/03\/timeline-graphic_0326.2-300x94.jpg 300w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/03\/timeline-graphic_0326.2-1024x320.jpg 1024w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/03\/timeline-graphic_0326.2-768x240.jpg 768w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/03\/timeline-graphic_0326.2-1536x480.jpg 1536w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/03\/timeline-graphic_0326.2-2048x640.jpg 2048w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/03\/timeline-graphic_0326.2-640x200.jpg 640w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/03\/timeline-graphic_0326.2-1200x375.jpg 1200w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/03\/timeline-graphic_0326.2-1920x600.jpg 1920w\" sizes=\"auto, (max-width: 2560px) 100vw, 2560px\" \/><\/p>\n\n                    <\/div>\n\n                \n                        \n                    \n                        <div class=\"button-wrapper\">\n\n\n                            <a href=\"http:\/\/www.thequantagroup.com\" target=\"_self\" class=\"button white\">Visit The Quanta Group<\/a>\n                    \n                        <\/div>\n\n                    \n                \n            <\/div>\n\n            \n        <\/div>\n\n            \n\n\n        \n\n        \n    <\/div>\n\n<\/section>\n\n\n<section id=\"signposts-block_7a6ab8a519287dc1516bec4ce06ad9e7\" class=\" signposts bg-pattern-1 \" id=\"signposts-block_7a6ab8a519287dc1516bec4ce06ad9e7\"  >\n\n    <div class=\"body-push row\">\n\n        <div class=\"grid  layout-50-50\">\n\n            <div class=\"col-1\">\n                \n                                     \n                    <h2 class=\"section-title\">A future proofed platform experience<\/h2>\n\n                \n                \n                    <div class=\"content\" data-animate-on-scroll='fade-up'>\n\n                        <p><span class=\"TextRun Highlight SCXW20383634 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW20383634 BCX0\">Clean,\u00a0<\/span><span class=\"NormalTextRun SCXW20383634 BCX0\">modern<\/span><span class=\"NormalTextRun SCXW20383634 BCX0\"> and easy-to-use \u2013 the Wealthtime platform has been designed to make your life easier. Our intuitive platform experience saves you time and makes investing your clients\u2019 money as straight-forward as possible.<\/span><\/span><\/p>\n\n                    <\/div>\n\n                \n                        \n                    \n                        <div class=\"button-wrapper\">\n\n\n                            <a href=\"https:\/\/www.wealthtime.com\/advisers\/login\/\" target=\"_self\" class=\"button white\">Access our platform<\/a>\n                    \n                        <\/div>\n\n                    \n                \n            <\/div>\n\n            \n                <div class=\"col-2\">\n\n                    <div class=\"image\" data-animate-on-scroll='fade-in'>\n\n                        <img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1361\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/03\/Laptop-showing-Wealthtime-platform-1-scaled.png\" class=\"attachment-small size-small\" alt=\"signpost row\" srcset=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/03\/Laptop-showing-Wealthtime-platform-1-scaled.png 2560w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/03\/Laptop-showing-Wealthtime-platform-1-300x160.png 300w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/03\/Laptop-showing-Wealthtime-platform-1-1024x545.png 1024w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/03\/Laptop-showing-Wealthtime-platform-1-768x408.png 768w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/03\/Laptop-showing-Wealthtime-platform-1-1536x817.png 1536w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/03\/Laptop-showing-Wealthtime-platform-1-2048x1089.png 2048w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/03\/Laptop-showing-Wealthtime-platform-1-640x340.png 640w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/03\/Laptop-showing-Wealthtime-platform-1-1200x638.png 1200w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/03\/Laptop-showing-Wealthtime-platform-1-1920x1021.png 1920w\" sizes=\"auto, (max-width: 2560px) 100vw, 2560px\" \/>\n                    <\/div>\n            \n                <\/div>\n                \n            \n        <\/div>\n\n            \n\n\n        \n\n        \n    <\/div>\n\n<\/section>\n\n\n<section id=\"Our-wrappers\" class=\"accordion light-gray\" data-anchor-text=\"Wrappers\" data-anchor-link=\"Wrappers\">\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\">Our wrappers<\/h2>\n\n        \n        \n          <div class=\"description\">\n\n            <p><span class=\"TextRun Highlight SCXW183055101 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW183055101 BCX0\">Whatever\u00a0<\/span><span class=\"NormalTextRun SCXW183055101 BCX0\">your client\u2019s needs,\u00a0<\/span><span class=\"NormalTextRun SCXW183055101 BCX0\">we\u2019ve<\/span><span class=\"NormalTextRun SCXW183055101 BCX0\">\u00a0got the wrappers to match.<\/span><span class=\"NormalTextRun SCXW183055101 BCX0\"> Our wide range of tax efficient wrappers span the generations and support long-term, effective financial planning.<\/span><\/span><\/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=\"81\" height=\"70\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2022\/09\/ISA_GREEN.svg\" class=\"icon-size\" alt=\"row accordion icon\" \/>\n                  <\/span>\n\n                \n              \n              \n                <div class=\"accordion-title-wrapper\">\n\n                            \n                      <h3 class=\"accordion-title\">Flexible Stocks and Shares ISA (S&#038;S ISA)<\/h3>\n            \n                  \n                  \n                    <span class=\"blurb-wrapper\"> \n                    \n                      A flexible, tax-efficient investment account            \n                    <\/span>\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            <ul>\n<li><span data-contrast=\"auto\">Same day withdrawals for easy access to funds<\/span><\/li>\n<li><span data-contrast=\"auto\">Make withdrawals and pay back in the same tax year without affecting ISA allowance<\/span><span data-contrast=\"auto\">s<\/span><\/li>\n<li><span data-contrast=\"auto\">Extensive range of investments to choose from<\/span><\/li>\n<li><span data-contrast=\"auto\">Bed and ISA functionality<\/span><\/li>\n<\/ul>\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=\"60\" height=\"78\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2022\/09\/JISA_GREEN.svg\" class=\"icon-size\" alt=\"row accordion icon\" \/>\n                  <\/span>\n\n                \n              \n              \n                <div class=\"accordion-title-wrapper\">\n\n                            \n                      <h3 class=\"accordion-title\">Junior ISA (JISA)<\/h3>\n            \n                  \n                  \n                    <span class=\"blurb-wrapper\"> \n                    \n                      Plan for the next generation with our JISA            \n                    <\/span>\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            <ul>\n<li><span data-contrast=\"auto\">Bring multiple generations into the financial planning process<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">At age 18, the JISA switches to a Flexible Stock and Shares ISA when the child can make their own investment decisions<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\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=\"84\" height=\"76\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2022\/09\/SIPP_GREEN.svg\" class=\"icon-size\" alt=\"row accordion icon\" \/>\n                  <\/span>\n\n                \n              \n              \n                <div class=\"accordion-title-wrapper\">\n\n                            \n                      <h3 class=\"accordion-title\">Self Invested Personal Pension (SIPP)<\/h3>\n            \n                  \n                  \n                    <span class=\"blurb-wrapper\"> \n                    \n                      A simple and tax-efficient way to save and invest for retirement            \n                    <\/span>\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            <ul>\n<li><span data-contrast=\"auto\">Drip-feed drawdown with online withdrawals<\/span><\/li>\n<li><span data-contrast=\"auto\">Supported by our award-winning retirement proposition<\/span><\/li>\n<li><span data-contrast=\"auto\">Extensive range of investments to choose from<\/span><\/li>\n<li><span data-contrast=\"auto\">Pre-funded tax relief at source on pension contributions<\/span><\/li>\n<li><span data-contrast=\"auto\">Bed &amp; SIPP functionality<\/span><\/li>\n<\/ul>\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=\"60\" height=\"78\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2022\/09\/JISA_GREEN.svg\" class=\"icon-size\" alt=\"row accordion icon\" \/>\n                  <\/span>\n\n                \n              \n              \n                <div class=\"accordion-title-wrapper\">\n\n                            \n                      <h3 class=\"accordion-title\">Junior SIPP (JSIPP)<\/h3>\n            \n                  \n                  \n                    <span class=\"blurb-wrapper\"> \n                    \n                      A tax-efficient account to save for a child\u2019s future             \n                    <\/span>\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            <ul>\n<li><span data-contrast=\"auto\">Extensive range of investments to choose from<\/span><\/li>\n<li><span data-contrast=\"auto\">Could help to manage and reduce IHT liabilities<\/span><\/li>\n<li><span data-contrast=\"auto\">More flexibility and choice than other child\u2019s pensions<\/span><\/li>\n<li><span data-contrast=\"auto\">At age 18, the JSIPP switches into a SIPP when the child can make their own investment decisions<\/span><\/li>\n<\/ul>\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=\"95\" height=\"66\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2022\/09\/GIA_GREEN.svg\" class=\"icon-size\" alt=\"row accordion icon\" \/>\n                  <\/span>\n\n                \n              \n              \n                <div class=\"accordion-title-wrapper\">\n\n                            \n                      <h3 class=\"accordion-title\">General Investment Account (GIA)<\/h3>\n            \n                  \n                  \n                    <span class=\"blurb-wrapper\"> \n                    \n                      A savings account for buying and selling investments            \n                    <\/span>\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            <ul>\n<li><span data-contrast=\"auto\">Unlimited contributions<\/span><\/li>\n<li><span data-contrast=\"auto\">Same day withdrawals for easy access to funds<\/span><\/li>\n<li><span data-contrast=\"auto\">Trust, corporate and third-party options available<\/span><\/li>\n<li><span data-contrast=\"auto\">Supported by our market-leading CGT calculator<\/span><\/li>\n<li><span data-contrast=\"auto\">Designate easily, making things clear for tax purposes<\/span><\/li>\n<\/ul>\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-5\" aria-expanded=\"false\" aira-controls=\"tab-5\" aria-disabled=\"false\">\n          \n              \n                \n                  <span class=\"accordion-image\">\n\n                    <img loading=\"lazy\" decoding=\"async\" width=\"96\" height=\"96\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2022\/10\/Performance-and-Risk-Charting.svg\" class=\"icon-size\" alt=\"row accordion icon\" \/>\n                  <\/span>\n\n                \n              \n              \n                <div class=\"accordion-title-wrapper\">\n\n                            \n                      <h3 class=\"accordion-title\">Offshore bond<\/h3>\n            \n                  \n                  \n                    <span class=\"blurb-wrapper\"> \n                    \n                      A tax efficient investment wrapper provided by RL360            \n                    <\/span>\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-5\">\n      \n        <div class=\"grid\">\n\n          <span class=\"accordion-content\">\n\n            <ul>\n<li><span data-contrast=\"auto\">Alternative tax-efficient solution to support financial planning<\/span><\/li>\n<li><span data-contrast=\"auto\">Provided by RL360 who have an AKG rating of B (Strong) and 5* service<\/span><\/li>\n<li><span data-contrast=\"auto\">Can help to manage CGT liabilities<\/span><\/li>\n<li><span data-contrast=\"auto\">Withdraw up to 5% per annum tax-deferred<\/span><\/li>\n<\/ul>\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>\n\n<\/section>\n\n\n<section id=\"Our-platform-technology\" class=\" signposts white \" id=\"Our-platform-technology\" data-anchor-text=\"Platform technology\" data-anchor-link=\"Our-platform-technology\">\n\n    <div class=\"body-push row\">\n\n        <div class=\"grid  layout-75-35\">\n\n            <div class=\"col-1\">\n                \n                                     \n                    <h2 class=\"section-title\">Technology that keeps you ahead<\/h2>\n\n                \n                \n                    <div class=\"content\" data-animate-on-scroll='fade-up'>\n\n                        <p>Our platform is modern, intuitive, and continually evolving.<\/p>\n<p><span data-contrast=\"auto\">We\u2019ve partnered with Wipro and GBST to bring advisers a future-proofed platform experience. Our 10-year partnership secures GBST as our underlying platform technology provider, while introducing Wipro to transform our operations and technology.<\/span><\/p>\n\n                    <\/div>\n\n                \n                \n            <\/div>\n\n            \n        <\/div>\n\n        \n            <div class=\"grid signpost-row grid-cols-3 black\">\n\n                \n                    \n\n    <article class=\"single-signpost black stat-active\" data-animate-on-scroll=\"fade-up\">\n\n        \n        \n            <h3 class=\"stat\">\n                \n                1\n                <sup><\/sup>\n            \n            <\/h3>\n\n        \n        <div class=\"signpost-meta\">\n\n            \n                <h3 class=\"subtitle\">\n                    \n                    Wealthtime &#8211; adviser and investor experience                \n                <\/h3>\n\n            \n            \n                <span class=\"description\">\n                    \n                    <ul>\n<li data-leveltext=\"\u2022\" data-font=\"Arial\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Arial&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u2022&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">18 years\u2019 experience in platform market as an independent and innovative provider<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\u2022\" data-font=\"Arial\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Arial&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u2022&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Comprehensive product wrappers to meet different client needs<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\u2022\" data-font=\"Arial\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Arial&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u2022&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Wide range of investment options<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\u2022\" data-font=\"Arial\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Arial&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u2022&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">Award-winning retirement proposition<\/span><\/li>\n<\/ul>\n                \n                <\/span>\n\n            \n            \n        <\/div>\n\n    <\/article>\n\n\n                \n                    \n\n    <article class=\"single-signpost black stat-active\" data-animate-on-scroll=\"fade-up\">\n\n        \n        \n            <h3 class=\"stat\">\n                \n                2\n                <sup><\/sup>\n            \n            <\/h3>\n\n        \n        <div class=\"signpost-meta\">\n\n            \n                <h3 class=\"subtitle\">\n                    \n                    Wipro &#8211; operations and technology                 \n                <\/h3>\n\n            \n            \n                <span class=\"description\">\n                    \n                    <ul>\n<li data-leveltext=\"\u2022\" data-font=\"Arial\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559682&quot;:4,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Arial&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u2022&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Experts in customer experience \u2013 creating extraordinary CX to improve systems and deliver outstanding service<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\u2022\" data-font=\"Arial\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559682&quot;:4,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Arial&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u2022&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Global team of experts working with household names such as John Lewis, Levis, Google and Microsoft, allowing us to learn from best practice in other industries<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\u2022\" data-font=\"Arial\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559682&quot;:4,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Arial&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u2022&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">67% of Wipro\u2019s equity ownership is pledged irrevocably to philanthropy in the areas of healthcare, education and allied spheres of development.<\/span><\/li>\n<\/ul>\n                \n                <\/span>\n\n            \n            \n        <\/div>\n\n    <\/article>\n\n\n                \n                    \n\n    <article class=\"single-signpost black stat-active\" data-animate-on-scroll=\"fade-up\">\n\n        \n        \n            <h3 class=\"stat\">\n                \n                3\n                <sup><\/sup>\n            \n            <\/h3>\n\n        \n        <div class=\"signpost-meta\">\n\n            \n                <h3 class=\"subtitle\">\n                    \n                    GBST &#8211; platform technology provider                \n                <\/h3>\n\n            \n            \n                <span class=\"description\">\n                    \n                    <ul>\n<li data-leveltext=\"\u2022\" data-font=\"Arial\" data-listid=\"5\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Arial&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u2022&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Underlying platform technology bringing us to the latest version of Composer<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\u2022\" data-font=\"Arial\" data-listid=\"5\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Arial&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u2022&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">\u00a3100m recent investment into Composer technology to future-proof platform development<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\u2022\" data-font=\"Arial\" data-listid=\"5\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Arial&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u2022&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Global strategic partnership with Wipro will help us drive rapid change and a market-leading platform<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n                \n                <\/span>\n\n            \n            \n        <\/div>\n\n    <\/article>\n\n\n                \n            <\/div>\n\n            \n\n\n                \n            \n                <div class=\"cta-btn-wrap button-wrapper\">    \n                    \n                    \n                    <a href=\"https:\/\/www.wealthtime.com\/advisers\/platform-evolution\/\" target=\"_self\" class=\"button black\">Learn more about our platform evolution<\/a>\n            \n                <\/div>\n\n            \n        \n\n        \n    <\/div>\n\n<\/section>\n\n\n<section id=\"signposts-block_7c82325ea9ee9eddf59a9f7dfaea6308\" class=\" signposts bg-pattern-1 \" id=\"signposts-block_7c82325ea9ee9eddf59a9f7dfaea6308\" data-anchor-text=\"Investments\" data-anchor-link=\"Investments\">\n\n    <div class=\"body-push row\">\n\n        <div class=\"grid  layout-50-50\">\n\n            <div class=\"col-1\">\n                \n                                     \n                    <h2 class=\"section-title\">Our investments<\/h2>\n\n                \n                \n                    <div class=\"content\" data-animate-on-scroll='fade-up'>\n\n                        <p><span data-contrast=\"auto\">Our extensive investment range puts you in complete control of your clients\u2019 investments \u2013 no matter what stage they\u2019re at in their investment journey.<\/span><\/p>\n\n                    <\/div>\n\n                \n                        \n                    \n                        <div class=\"button-wrapper\">\n\n\n                            <a href=\"https:\/\/www.wealthtime.com\/advisers\/wealthtime\/wealthtime-investments\/\" target=\"_self\" class=\"button white\">Explore our investment range<\/a>\n                    \n                        <\/div>\n\n                    \n                \n            <\/div>\n\n            \n                <div class=\"col-2\">\n\n                    <div class=\"image\" data-animate-on-scroll='fade-in'>\n\n                        <img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1716\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/03\/Laptop_Investments_Wealthtime_Platform-scaled.png\" class=\"attachment-small size-small\" alt=\"signpost row\" srcset=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/03\/Laptop_Investments_Wealthtime_Platform-scaled.png 2560w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/03\/Laptop_Investments_Wealthtime_Platform-300x201.png 300w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/03\/Laptop_Investments_Wealthtime_Platform-1024x687.png 1024w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/03\/Laptop_Investments_Wealthtime_Platform-768x515.png 768w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/03\/Laptop_Investments_Wealthtime_Platform-1536x1030.png 1536w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/03\/Laptop_Investments_Wealthtime_Platform-2048x1373.png 2048w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/03\/Laptop_Investments_Wealthtime_Platform-640x429.png 640w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/03\/Laptop_Investments_Wealthtime_Platform-1200x805.png 1200w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/03\/Laptop_Investments_Wealthtime_Platform-1920x1287.png 1920w\" sizes=\"auto, (max-width: 2560px) 100vw, 2560px\" \/>\n                    <\/div>\n            \n                <\/div>\n                \n            \n        <\/div>\n\n            \n\n\n        \n\n        \n    <\/div>\n\n<\/section>\n\n\n<section id=\"signposts-block_23766ad892232efdbd1213b5b39ab133\" class=\" signposts white \" id=\"signposts-block_23766ad892232efdbd1213b5b39ab133\" data-anchor-text=\"Tools\" data-anchor-link=\"Tools\">\n\n    <div class=\"body-push row\">\n\n        <div class=\"grid reverse-layout layout-50-50\">\n\n            <div class=\"col-1\">\n                \n                                     \n                    <h2 class=\"section-title\">Our tools<\/h2>\n\n                \n                \n                    <div class=\"content\" data-animate-on-scroll='fade-up'>\n\n                        <p><span class=\"TextRun Highlight SCXW158716806 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW158716806 BCX0\">Our comprehensive range of tools are created with advisers in mind, and we continuously enhance them based on the latest user feedback.<\/span><\/span><\/p>\n\n                    <\/div>\n\n                \n                        \n                    \n                        <div class=\"button-wrapper\">\n\n\n                            <a href=\"https:\/\/www.wealthtime.com\/advisers\/wealthtime\/wealthtime-tools\/\" target=\"_self\" class=\"button black\">Discover our tools<\/a>\n                    \n                        <\/div>\n\n                    \n                \n            <\/div>\n\n            \n                <div class=\"col-2\">\n\n                    <div class=\"image\" data-animate-on-scroll='fade-in'>\n\n                        <img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1716\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/03\/Laptop_Tools_Wealthtime_Platform-scaled.png\" class=\"attachment-small size-small\" alt=\"signpost row\" srcset=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/03\/Laptop_Tools_Wealthtime_Platform-scaled.png 2560w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/03\/Laptop_Tools_Wealthtime_Platform-300x201.png 300w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/03\/Laptop_Tools_Wealthtime_Platform-1024x687.png 1024w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/03\/Laptop_Tools_Wealthtime_Platform-768x515.png 768w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/03\/Laptop_Tools_Wealthtime_Platform-1536x1030.png 1536w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/03\/Laptop_Tools_Wealthtime_Platform-2048x1373.png 2048w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/03\/Laptop_Tools_Wealthtime_Platform-640x429.png 640w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/03\/Laptop_Tools_Wealthtime_Platform-1200x805.png 1200w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2026\/03\/Laptop_Tools_Wealthtime_Platform-1920x1287.png 1920w\" sizes=\"auto, (max-width: 2560px) 100vw, 2560px\" \/>\n                    <\/div>\n            \n                <\/div>\n                \n            \n        <\/div>\n\n            \n\n\n        \n\n        \n    <\/div>\n\n<\/section>\n\n\n<section id=\"signposts-block_a5a7900fe242639ee6dd9053d294689e\" class=\" signposts light-gray \" id=\"signposts-block_a5a7900fe242639ee6dd9053d294689e\" data-anchor-text=\"Charges\" data-anchor-link=\"Charges\">\n\n    <div class=\"body-push row\">\n\n        <div class=\"grid  layout-75-35\">\n\n            <div class=\"col-1\">\n                \n                                     \n                    <h2 class=\"section-title\">Our charges<\/h2>\n\n                \n                \n                    <div class=\"content\" data-animate-on-scroll='fade-up'>\n\n                        <p><span data-contrast=\"auto\">At Wealthtime, we have a sustainable approach to price with a highly competitive charging structure.<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">All our wrappers\u00a0benefit\u00a0from their own cash facility. This gives you the freedom to manage the levels of cash within your client\u2019s portfolio to suit their needs and withdraw when\u00a0it\u2019s\u00a0needed. All cash and investments are protected by us\u00a0in accordance with\u00a0the rules of the Financial Conduct Authority.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n\n                    <\/div>\n\n                \n                        \n                    \n                        <div class=\"button-wrapper\">\n\n\n                            <a href=\"https:\/\/www.wealthtime.com\/advisers\/adviser-hub\/document-library\/docs\/charges-schedule\/\" target=\"_self\" class=\"button black\">Our charges<\/a>\n                    \n                        <\/div>\n\n                    \n                \n            <\/div>\n\n            \n                <div class=\"col-2\">\n\n                    <div class=\"image\" data-animate-on-scroll='fade-in'>\n\n                        <img loading=\"lazy\" decoding=\"async\" width=\"283\" height=\"283\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2022\/11\/Capital-Gains-Calculator-1.svg\" class=\"attachment-small size-small\" alt=\"signpost row\" \/>\n                    <\/div>\n            \n                <\/div>\n                \n            \n        <\/div>\n\n            \n\n\n        \n\n        \n    <\/div>\n\n<\/section>\n\n\n<section id=\"platform-enhancements\" class=\"accordion transparent\" data-anchor-text=\"Platform Enhancements\" data-anchor-link=\"platform-enhancements\">\n   \n  <div class=\"row content body-push\">\n\n    <div class=\"grid\">\n\n      <div class=\"content\">\n\n        \n        \n        \n          <div class=\"description\">\n\n            <h2 id=\"platform-enhancements\">Platform enhancements<\/h2>\n<p>All our technology enhancements are designed with you and your clients in mind.<\/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  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                <div class=\"accordion-title-wrapper\">\n\n                            \n                      <h3 class=\"accordion-title\">2026<\/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><strong>Junior ISA<\/strong><br \/>\nSetting up new Junior ISAs no longer requires paper forms to be completed \u2013 the straight-through online journey made the process simpler to complete. <a href=\"https:\/\/www.wealthtime.com\/advisers\/blog\/opening-a-new-junior-isa-now-online-wealthtime-platform-enhancement\/\">Find out more here.<\/a><\/p>\n<p><strong>SIPP income<\/strong><br \/>\nInstructing changes to SIPP regular income, from flexible drawdown wrappers, became an online process. <a href=\"https:\/\/www.wealthtime.com\/advisers\/blog\/requesting-regular-sipp-income-is-now-an-online-journey-wealthtime-platform-enhancement\/\">Find out more here.<\/a><\/p>\n<p><strong>Platform charge information made available online<\/strong><br \/>\nWe added the ability to view platform annual charge information on the platform. <a href=\"https:\/\/www.wealthtime.com\/advisers\/blog\/platform-charge-information-available-online-wealthtime-platform-enhancement\/\">Find out more here.<\/a><\/p>\n<p><strong>Reduced minimum cash holding from 2% to 1%<\/strong><br \/>\nWe reduced the minimum amount of cash investors need to hold in their cash facility from 2% to 1%. We also reduced the level at which the cash amount will be topped back up from 1% to 0.25%.<\/p>\n\n          <\/span>\n\n        <\/div>\n      \n      <\/div>\n      \n    \n    <\/div>\n\n\n            \n          \n            \n  <div class=\"accordion-item  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                <div class=\"accordion-title-wrapper\">\n\n                            \n                      <h3 class=\"accordion-title\">2025<\/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><strong>Default investment strategies<\/strong><br \/>\nNew \u2018amend default investment strategy\u2019 option added to Adviser Zone made it easier to manage investment strategies for wrappers not linked via Model Portfolio Manager. It became possible to update strategies and request an adhoc rebalance online.<\/p>\n<p><strong>Pension allowances visibility<\/strong><br \/>\nA new Adviser Zone feature shows a client\u2019s pension allowances and utilisation, supporting clearer pension planning.<\/p>\n<p><strong>Improved tax code history<\/strong><br \/>\nTax code history was enhanced for SIPP clients, allowing advisers to view historical changes directly in Adviser Zone.<\/p>\n<p><strong>Removal of the 10% regular withdrawal limit<\/strong><br \/>\nThe 10% regular withdrawal limit was removed for GIA and ISA accounts, giving advisers greater flexibility when managing client portfolios.<\/p>\n<p><strong>Faster ad hoc income payments<\/strong><br \/>\nA new online process allowed advisers to request ad hoc income from drawdown more quickly, with automated back-office processing and improved notifications.<\/p>\n<p><strong>Model Percent Drift report<\/strong><br \/>\nA new report enables DFMs to see how far a client\u2019s holdings have drifted from their default investment strategy.<\/p>\n<p><strong>Pensions Dashboard Programme<\/strong><br \/>\nWealthtime pension data is now uploaded to Equisoft\u2019s Pensions Fusion, supporting progress towards the Pensions Dashboard Programme.<\/p>\n<p><strong>Illustrations improvements<\/strong><br \/>\nIllustrations were updated to reflect regulatory changes, alongside usability improvements to on screen views and PDF outputs.<\/p>\n<p><strong>Secure Lifetime Income (SLI) upgrade<\/strong><br \/>\nEnhancements were made to Secure Lifetime Income, including improvements to death benefits and valuations.<\/p>\n<p><strong>10 year partnership with Wipro and GBST finalised<\/strong><br \/>\nA new 10 year partnership was formally agreed, underpinning ongoing platform innovation, service improvement and operational efficiency.<\/p>\n\n          <\/span>\n\n        <\/div>\n      \n      <\/div>\n      \n    \n    <\/div>\n\n\n            \n          \n            \n  <div class=\"accordion-item  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                <div class=\"accordion-title-wrapper\">\n\n                            \n                      <h3 class=\"accordion-title\">2024<\/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><strong>Online verification checks<br \/>\n<\/strong>New online verification functionality was introduced to significantly reduce the time needed to complete data protection checks when contacting us. <a href=\"https:\/\/www.wealthtime.com\/advisers\/blog\/wealthtime-platform-enhancement-online-verification-check\/\">Find out more here.<\/a><\/p>\n<p><strong>Notifications Centre<br \/>\n<\/strong>The new Notification Centre went live in Adviser Zone, replacing Status Updates. It provides a single place to track the latest updates on client cases and submissions. <a href=\"https:\/\/www.wealthtime.com\/advisers\/blog\/wealthtime-platform-enhancement-notifications-centre\/\">View our guide here.<\/a><\/p>\n<p><strong>FINIO<br \/>\n<\/strong>FINIO data feeds were enabled for intelliflo office and Plannr, continuing to improve data quality and reduce manual processing. The list of available back-office providers is always growing &#8211; check whether your provider is available, or coming soon, and find out what steps to take to get set up: <a href=\"https:\/\/www.wealthtime.com\/advisers\/finio\/\">Visit our FINIO webpage<\/a>.<\/p>\n<p><strong>Origo Unipass Letters of Authority (LoA)<br \/>\n<\/strong>Origo\u2019s Unipass LoA service was embedded into the platform, enabling advisers to manage Letters of Authority completely online across multiple providers, without picking up the phone.<\/p>\n<p><strong>Adviser Zone upgrades<\/strong><br \/>\nEnhancements included the ability to view existing cash balances on a wrapper, providing improved visibility and control.<\/p>\n<p><strong>Report Zone improvements<\/strong><br \/>\nWhite\u2011labelling enhancements were delivered, along with improvements to several existing reports.<\/p>\n<p><strong>UI and user experience enhancements<\/strong><br \/>\nMultiple improvements were made across the platform interface to improve functionality, navigation and login experience.<\/p>\n<p><strong>Strategic partnership announcement<\/strong><br \/>\nA business transformation partnership with Wipro and GBST was announced, setting the direction for long\u2011term operational and technology improvements.<\/p>\n\n          <\/span>\n\n        <\/div>\n      \n      <\/div>\n      \n    \n    <\/div>\n\n\n            \n          \n            \n  <div class=\"accordion-item  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                <div class=\"accordion-title-wrapper\">\n\n                            \n                      <h3 class=\"accordion-title\">2023<\/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><strong>New withdrawal process<\/strong><br \/>\nA new straight\u2011through online cash withdrawal process for ISAs and GIAs went live. Designed with adviser feedback, the process prioritises speed and simplicity, making it easier to withdraw clients\u2019 money when they need it.<\/p>\n<p><strong>Portfolio Performance Report improvements<\/strong><br \/>\nThe Portfolio Performance Report was updated to improve presentation and performance. The report is now considerably faster and includes a revised date range. It now shows performance from the first transaction.<\/p>\n<p><strong>Transfer process improvements<\/strong><br \/>\nA new online workflow for transfers was introduced, improving case management and enabling new automation opportunities.<\/p>\n<p><strong>Electronic signatures<\/strong><br \/>\nElectronic signing was extended to eight providers: Adobe Acrobat Sign, Docusign, Signable, Legalesign, Pandadoc, SignNow, HelloSign\/Dropbox Sign and E-Sign.<\/p>\n<p><strong>FINIO<br \/>\n<\/strong>FINIO helps reduce manual inputs and enrich data by connecting platforms with third\u2011party software providers. Initial FINIO data feeds are now available. <a style=\"font-size: inherit;\" href=\"https:\/\/www.wealthtime.com\/advisers\/finio\/\">Visit our FINIO webpage<\/a><span style=\"font-size: inherit;\">.<\/span><\/p>\n<p><strong>Fund\u2011specific illustrations<\/strong><br \/>\nAdvisers can now generate fund\u2011specific illustrations within Adviser Zone. These illustrations list all funds and individual charges provided by FE, helping support clearer client conversations.<\/p>\n<p><strong>Report Zone improvements<\/strong><br \/>\nImproved descriptions were added to reports, to provide a quick snapshot of each report\u2019s purpose and benefits. We added a new income payments report and updated the Ex\u2011Ante report to improve the experience for advisers and clients.<\/p>\n<p><strong>Investor Zone improvements<\/strong><br \/>\nInvestor Zone now has a more streamlined and contemporary interface. Enhanced views of financial information and transaction history make it easier for clients to find key information, supporting self-sufficiency.<\/p>\n<p><strong>New GCT Calculator<\/strong><br \/>\nThe latest version of the CGT calculator was released, reducing the time required to import data and calculate figures. Calculations are available much earlier in the day.<\/p>\n<p><strong>Simplified client illustrations<\/strong><br \/>\nClient illustrations were updated to a clearer, more informative format. The new layout includes more tailored information on savings, investment performance and charges, helping clients better understand how their investments might perform, and how much money they might have in the future.<\/p>\n<p><strong>Secure Email enhancements<\/strong><br \/>\nSecure Email functionality was enhanced with the ability to download secure messages as PDFs, providing a codified summary to support audit requirements. A new filter also allows advisers to sort messages by adviser, which is particularly helpful for paraplanners.<\/p>\n<p><strong>Extra report availability<\/strong><br \/>\nAn additional income payments report was introduced, allowing advisers to view multiple SIPP clients\u2019 paid income and PAYE information. It is also available at wrapper level in Adviser Zone.<\/p>\n<p><span style=\"font-size: inherit;\"><strong>Transaction history improvements<\/strong><br \/>\nTransaction history was recently refreshed and optimised. Advisers can now download all history from the wrapper\u2019s inception date to the present day in one go, making it quicker to report on client activity..<\/span><\/p>\n\n          <\/span>\n\n        <\/div>\n      \n      <\/div>\n      \n    \n    <\/div>\n\n\n            \n          \n            \n  <div class=\"accordion-item  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                <div class=\"accordion-title-wrapper\">\n\n                            \n                      <h3 class=\"accordion-title\">2022<\/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><strong>Flexible Drawdown<\/strong><br \/>\nLaunched in August 2022, Drip\u2011Feed Drawdown gives advisers greater flexibility when clients need to take money from their pension. It allows tax\u2011free payments to be taken without crystallising the full tax\u2011free lump sum in one go.<\/p>\n<p><strong>Simplified charging structure<\/strong><br \/>\nWe introduced a simpler charging model to make fees easier to understand. The number of standard tiers was reduced from five to three, and charges for the lower tiers were reduced from a starting rate of 0.5% to 0.3%.*<\/p>\n<p><sub>* Applicable for firms with more than \u00a310m of assets on the platform. Fees for firms with less than \u00a310m of assets were reduced to 0.35% from 1 July 2023<\/sub><\/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>\n\n<\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-246","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Wealthtime Platform - Advisers<\/title>\n<meta name=\"description\" content=\"Wealthtime combines the latest wrap platform technology and online functionality to remain at the forefront of smarter wealth management.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.wealthtime.com\/advisers\/wealthtime\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Wealthtime Platform - 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