Our Approach

About Us » Our Approach

We are totally independent which means that we can access the whole market to find you the very best rates. Also, as we are qualified financial advisers we advise you on the options that you are presented with.

Our Process

Our tried and tested solution to dealing with clients that are looking to purchase an annuity ensures that we provide you with the very best service and help you secure the best income in retirement.

  1. We check your ceding pension scheme(s) and advise you whether a transfer to another annuity provider would incur penalties or loss of value benefits such as Guaranteed Annuity Rates (GARs), Guaranteed Minimum Pension (GMP) or protected tax free lump sums
  2. We ensure that all paperwork is correctly provided by the ceding pension scheme(s) to allow any tax free cash to be paid immediately via the Open Market Option (OMO)
  3. We pre-complete all the necessary paperwork such that you just need to check and sign rather than struggle through it on your own
  4. We certify photocopies of driving license, passport, birth certificate, and marriage certificate such that we can perform a secure anti-money laundering check. You are not then left to send important original documents through the post to an annuity provider
  5. We conduct whole of market research, obtaining illustrations from all providers and then construct a table showing the income payable for each 'shape' of annuity from single life to single life 10 year guarantee to joint life 100% spouse etc. We firmly believe that it is only when you can see all the options that you can make a properly considered decision
  6. We show you all of the rates from all of the providers along with the commission that each provider is willing to pay us. This way you know that there is no skulduggery!
  7. Once everything is decided we follow up with a fully comprehensive advice report detailing the entire proces and summarising the reasons for the reccomendation made
  8. During the process our administrators will chase the ceding scheme to ensure that the funds move in a timely manner to purchase the annuity. Pension providers are notoriously slow at processing Open Market Option requests, so if any providers delay things through no fault of our own, we will complain on your behalf and seek compensation