{"id":2868,"date":"2023-07-11T10:55:10","date_gmt":"2023-07-11T10:55:10","guid":{"rendered":"https:\/\/www.wealthtime.com\/advisers\/?page_id=2868"},"modified":"2026-02-13T09:44:35","modified_gmt":"2026-02-13T09:44:35","slug":"wealthtime-classic","status":"publish","type":"page","link":"https:\/\/www.wealthtime.com\/advisers\/wealthtime-classic\/","title":{"rendered":"Classic Platform"},"content":{"rendered":"\n<section id=\"hero-block_c2d4c46fad87b6e23681467e96901949\" class=\"hero black\">\n\n  \n    <div class=\"slider\" id=\"slider-block_c2d4c46fad87b6e23681467e96901949\">\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=\"1120\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2022\/11\/hero-tools-1920x1120.png\" class=\"hero-image\" alt=\"row full-width hero\" srcset=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2022\/11\/hero-tools-1920x1120.png 1920w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2022\/11\/hero-tools-300x175.png 300w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2022\/11\/hero-tools-1024x597.png 1024w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2022\/11\/hero-tools-768x448.png 768w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2022\/11\/hero-tools-1536x896.png 1536w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2022\/11\/hero-tools-2048x1195.png 2048w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2022\/11\/hero-tools-640x373.png 640w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2022\/11\/hero-tools-1200x700.png 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\"><\/p>\n\n      \n        <h1 class=\"hero-title\">Wealthtime Classic<\/h1>\n\n      \n      \n        <span class=\"hero-content\">\n\n          <p>It&#8217;s time for a more personal touch<\/p>\n\n        <\/span>\n\n      \n      \n      \n      \n        \n          <div class=\"button-group-wrapper\">\n\n            \n              \n              \n                <div class=\"button-wrapper\">\n\n                  <a class=\"button\" href=\"https:\/\/www.wealthtime.com\/advisers\/wealthtime-classic-investments\/\">Classic Investments<\/a>\n\n                <\/div>\n\n              \n            \n              \n              \n                <div class=\"button-wrapper\">\n\n                  <a class=\"button\" href=\"https:\/\/www.wealthtime.com\/advisers\/select-tools\/\">Classic Tools<\/a>\n\n                <\/div>\n\n              \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=\"technology\" class=\" signposts white \" id=\"technology\"  >\n\n    <div class=\"body-push row\">\n\n        <div class=\"grid reverse-layout layout-75-35\">\n\n            <div class=\"col-1\">\n                \n                                     \n                    <h2 class=\"section-title\">Powered by proprietary technology<\/h2>\n\n                \n                \n                    <div class=\"content\" data-animate-on-scroll='fade-up'>\n\n                        <p>The Wealthtime Classic platform has been developed over many years by our in-house IT team, who each have pension and investment administration experience. We work in collaboration with our users so we can gain a deeper understanding of your business needs and because the technology is entirely our own, we can adapt quickly to changes in market demands and regulations.<\/p>\n<p>Our whole ethos starts with partnership. Meaning we will always work with you, while making sure your business is our top priority. This has been our way of doing business since we started in 2009 and it&#8217;s how we&#8217;ll continue to help you deliver the very best advice going forward.<\/p>\n\n                    <\/div>\n\n                \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\/2023\/05\/Structured-Products.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=\"accounts\" class=\"accordion transparent\" data-anchor-text=\"Accounts\" data-anchor-link=\"accounts\">\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\">Accounts<\/h2>\n\n        \n        \n          <div class=\"description\">\n\n            <p>All our products give you access to a wide range of funds. You can take advantage of family wrap pricing, flexible adviser charge options and various payment options that can be started, reduced or stopped at any time.<\/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=\"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\">SIPP<\/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>Transfer pensions in specie or in cash to our Wealthtime SIPP with no additional charges and set r<span style=\"font-size: inherit;\">egular income withdrawals to be paid monthly, quarterly, half-yearly or yearly.<\/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 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=\"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\">ISA<\/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>Use our Wealthtime ISA to withdraw or replace money without it counting towards your clients&#8217; annual allowance.<\/p>\n<p>Set withdrawals to be paid on a date that suits you, plus use our Wealthtime ISA to pay for other products within the Wealthtime Classic Wrap.<\/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=\"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\">GIA<\/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>When your client has used up their annual allowance, you can t<span style=\"font-size: inherit;\">ransfer existing portfolios in cash or in specie to our GIA with no additional charges.<\/span><\/p>\n<p>Your clients can also register in single or joint names, and hold multiple accounts.<\/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=\"62\" height=\"74\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2022\/09\/Offshore-bond_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\">Offshore Bond<\/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>Hold investments within the Offshore Bond option from Canada Life International (Isle of Man) and Utmost Wealth.<\/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>\n\n\n<section id=\"accordion-block_f86c5750c4ac90f77b94218cff3bab26\" class=\"accordion transparent\" data-anchor-text=\"Features\" data-anchor-link=\"features\">\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\">Features<\/h2>\n\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=\"93\" height=\"83\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2022\/10\/Capital-Gains-Calculator.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\">Cash Facility<\/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>All product wrappers held on the Wealthtime Classic platform have a product bank account facility linked to them. This enables your clients to retain a portion of their portfolio in cash, allowing them ready access to their funds when they need it.<\/p>\n<p>Any cash held within the product bank account facility will accrue interest. The interest rate paid to clients is informed by the rate earned on the Barclays account in which we hold client money. The rate is reviewed every quarter.<\/p>\n<p>Wealthtime Classic does not retain any of the interest.<\/p>\n<p>The rate is shown below.<\/p>\n<table width=\"350\">\n<tbody>\n<tr>\n<td><strong>Period<\/strong><\/td>\n<td><strong>Rate paid to investor<\/strong><\/td>\n<\/tr>\n<tr>\n<td>19 Jan 23 &#8211; 08 Mar 23<\/td>\n<td>1.55%*<\/td>\n<\/tr>\n<tr>\n<td>09 Mar 23 &#8211; 26 Apr 23<\/td>\n<td>1.70%*<\/td>\n<\/tr>\n<tr>\n<td>27 Apr 23 &#8211; 10 Aug 23<\/td>\n<td>1.80%*<\/td>\n<\/tr>\n<tr>\n<td>11 Aug 23 &#8211; 31 Dec 23<\/td>\n<td>3.25%*<\/td>\n<\/tr>\n<tr>\n<td>01 Jan 24 &#8211; 29 Feb 24<\/td>\n<td>3.25%*<\/td>\n<\/tr>\n<tr>\n<td>01 Mar 24 &#8211; 27 Jan 25<\/td>\n<td>3.50%<\/td>\n<\/tr>\n<tr>\n<td>28 Jan 25 &#8211; 19 May 25<\/td>\n<td>3.15%<\/td>\n<\/tr>\n<tr>\n<td>20 May 25 \u2013 Ongoing<\/td>\n<td>3.00%<\/td>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p>*Please note, prior to 01 March 2024, Wealthtime Classic retained the first 0.25% of interest.<\/p>\n<p>Interest will be payable quarterly in arrears on the first Monday of December,\u00a0 March,\u00a0 June and September for the previous quarter, unless the first falls on a Monday and then it\u2019s the eighth.<\/p>\n<p>Liability to tax on interest is dependent on the product wrapper involved. Please consult the\u00a0<a href=\"https:\/\/www.wealthtime.com\/advisers\/adviser-hub\/document-library\/docs\/key-features-and-terms-and-conditions\/\" target=\"_blank\" rel=\"noopener\"><u>Wealthtime Classic Terms and Conditions for more information<\/u>.<\/a><\/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>\n\n\n\n\n<section id=\"charges\" class=\"downloads transparent\" data-anchor-text=\"Our Charges\" data-anchor-link=\"our charges\">\n   \n  <div class=\"row content body-push\">\n\n    \n      <h2>Our Charges<\/h2>\n\n    \n    \n      <p><p>Click to view our fee schedule.<\/p>\n<\/p>\n\n    \n\n    \n      <ul class=\"downloads-post-wrapper\">\n\n        \n          \n<li class=\"whitepaper-item\">\n  \n  <a href=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2023\/07\/WTC-Fees-Schedule-WTS0042_1225-1.pdf\" target=\"_blank\">\n  \n    <h3>Wealthtime Classic Fee Schedule<\/h3>\n  \n  <\/a>\n\n<\/li>\n\n        \n      <\/ul>\n\n      \n    \n  <\/div>\n\n<\/section>\n\n\n<section id=\"accordion-block_ad934b50099d2a01d29bdfc745bdca74\" 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\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=\"283\" height=\"283\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/7\/2022\/10\/Electronic-Signature.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\">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-0\">\n      \n        <div class=\"grid\">\n\n          <span class=\"accordion-content\">\n\n            <p><strong>\u2018Buy into model\u2019 buttons:\u00a0<\/strong>We\u2019ve added a brand new feature to the Wealthtime Classic Platform. It\u2019s a quicker and easier way to invest money into a client\u2019s model, or current investment strategy, without the need to perform a full rebalance and it\u2019s available for you to use on the platform from today.<\/p>\n<p><a href=\"https:\/\/www.wealthtime.com\/advisers\/blog\/wealthtime-classic-platform-enhancement-buy-into-model-buttons\/\">Find out more here.<\/a><\/p>\n<p><strong>Upgraded ex-post reporting: <\/strong>To meet MiFIDII ex-post costs and charges requirements, we produce annual reports for your clients in quarter four, covering the period ending in quarter three. While we will continue to produce these annual statements in quarter four as usual, we have enhanced our system to allow us to also generate ex-post statements on an ad hoc basis. <a href=\"https:\/\/email.wealthtime.com\/you-can-now-access-ad-hoc-ex-post-costs-and-charges-reporting\">View our announcement here.<\/a><strong><br \/>\n<\/strong><\/p>\n<p>&nbsp;<\/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":5,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-2868","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>Classic Platform - Advisers<\/title>\n<meta name=\"description\" content=\"Powered by proprietary technology. Wealthtime Classic platform - developed by our experienced in-house IT team, focused on partnership with you.\" \/>\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-classic\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Classic Platform - Advisers\" \/>\n<meta property=\"og:description\" content=\"Powered by proprietary technology. 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