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Retirement tool kit

Helping you prepare your clients for retirement

Investment pathways: What happens if clients don’t seek your advice

Retirement is one of the most complicated financial events your clients face and your advice is key to making sure they achieve a good outcome.

Under Financial Conduct Authority rules, unless your clients receive a personal recommendation from you to crystallise their pension funds, they’ll be presented with investment pathway guidance from their pension provider to help them choose investment funds for their drawdown pot.

Find out more about the Collective Retirement Account pathways.

View investment pathways brochure
It’s important to remember that investment pathways are a best estimate from a pension provider who knows very little about a customer. They may not achieve as good an outcome for your clients as you can. Personally tailoring your investment recommendation to your client’s attitude, needs and capacity for loss is part of the value you add when your client crystallises their pension.

How we can help you

We can help you manage your clients in preparation for retirement and ensure you are the go-to person they trust when they want to access their Collective Retirement Account.

Quilter reasons why

Provides some of the reasons you may have recommended Quilter's platform to your clients to help with 'reasons why' letters to your clients.

View reasons why

How to use the money in your pension

Send this brochure to your clients as part of a ‘wake up’ process or any time before they retire.

View using the money in a pension

Seven questions to ask before you make a withdrawal from your pension

This question and answer style article can help your clients think about retirement.

Read questions and answers

Five common mistakes people make with their pension when they retire

An article you can share with your clients about the pitfalls of retiring without advice.

View common mistakes

Helping you understand pensions

Help your clients understand pension terminology with our friendly user guide.

View pension guide

How to understand retirement risks

This straightforward guide can help your clients understand the risks they face in retirement.

Read four key risks