Industry news and views from Panacea and our partners.
Quilter
Choose Quilter Financial Planning
As an adviser, partnering with the right network can really enhance your success. Whether you’d like consultancy support to unblock challenges and help you grow, the ability to run your business more profitably, or greater protection for your clients and your business when it’s time to sell, Quilter Financial Planning is here to work with you.
Partnering with Quilter Financial Planning
There's lots of ways to partner with us from selling your existing firm, to moving your firm in to our network, we have a number of different options available to help you grow your business.
Quilter: Hear from Nik Bromley, Managing Director of IP Wealth Management
Nik Bromley from IP Wealth Management discusses how he has grown his business with the help of Quilter Financial Planning in this two minute video.
How Quilter Financial Planning supports you
In this two minute video, advisers highlight how Quilter Financial Planning has supported their businesses including training, compliance and access to relationship managers.
Why Join Quilter Financial Planning
View this two minute video and hear from other advisers who have joined Quilter Financial Planning and how they have helped.
Quilter: Looking to join a successful advice business?
At Quilter we offer a wide range of support to help you grow your business.
Revealed in the budget, a pot for life
Changes in working habits mean people who might have had just one or two jobs during their lifetime now tend to move far more frequently and thanks to auto-enrolment are building up multiple pensions, often with little in them.
Quilter: 6 reasons to consider using Onshore bonds
You are likely to have clients who have not had to concern themselves with paying tax on investment income and/or gains. The reduction in allowances will change this and they will need your help to ensure their wealth is held in the most tax efficient way, maximising net investment returns.
Quilter: Advice opportunities for onshore bonds
An onshore bond combined with a trust could help your clients mitigate tax and give them control over how and when wealth is distributed. Recent tax changes mean you need a full range of investment wrappers to advise on. See how you can take advantage of the advice opportunity for onshore bonds .
Quilter: Increase the net wealth of your clients who hold pension savings
The abolishment of the pension’s lifetime allowance means any clients with larger pension funds risk losing thousands of pounds that they could take tax-free. You can help them take action. Find out how higher rate tax payers could be £59,406 better off, and lower rate tax payers could have an extra £16,973, by withdrawing and reinvesting their tax free cash into other tax wrappers.
Quilter: Offer even better value to your clients’ families
With Quilter’s multi family discount, you can drive down investment costs for entire families. Your clients could save more than 45% on charges for a Junior ISA and you can be confident you're recommending products and services that offer good value.
Quilter: Looking to maximise your client's tax allowances?
Quilter’s free wrapper allocation tool can help, showing you how to split a lump sum across all your client’s non-pension wrappers, including their on-platform onshore bond. So you can deliver value that really adds up.
Quilter: How do you know if your chosen platform delivers value?
Take Quilters free platform value assessment to find out how they compare and how they can help you tip the balance in your client’s favour with their on-platform onshore bond and many other value-added features.
Quilter: Advice opportunities for onshore bonds
Did you know that 73% of people* think the most important thing when gifting money is as ensuring the right person in the family receives it, not HMRC?
Quilter: Don’t settle for less
Want to offer your clients additional value and help them pay less tax? You can with Quilter’s onshore bond that’s fully integrated into their platform. But their value doesn’t end there. Quilter’s platform has a host of benefits which stack up to provide overall value that’s hard to beat.
Quilter: Hurry, maximise tax efficient savings this tax year
DIY investing has left Thomas’s finances in a mess. He needs your advice. See how you can help people like Thomas who aren’t managing their tax allowances effectively.
Quilter: Managing tax allowances effectively
With most tax allowances being frozen and some even reduced post this tax year end, your advice is more important than ever. Following a year of volatility there is also a unique opportunity to realise losses now to soften the blow of the falling CGT allowance in the future.
Quilter: CGT changes may impact your clients – act now
People like Thomas aren’t managing their CGT allowance Accumulating wealth in a cost effective, easy to manage and tax efficient way is only becoming more difficult. Most tax allowances are being frozen and some even reduced, making your advice more important than ever.
Quilter: How to avoid the pitfalls of IHT
An unexpected inheritance can be overwhelming for your clients. Financial advice at a time like this can take some of the weight off their shoulders, and careful IHT and trust planning can ensure the inheritance lasts through the generations.
Quilter: Join our QTalk on 'Inheritance Tax – a problem waiting to be solved'
nheritance planning is the biggest driver for someone to seek financial advice with 80% of people* saying they would seek financial advice when inheritance planning.
Quilter: Why you should use Onshore bonds in trust planning
Using onshore bonds, like our Collective Investment Bond (CIB), inside a trust is a real financial planning sweet spot as they can deliver more advantages than other solutions held inside a trust. Not only can distributions to beneficiaries be very tax-efficient, they are much easier for trustees to administer as there is no income for trustees to report.
The Quilter Investors 2023 global outlook
2022 brought with it the perfect storm for markets, with inflationary pressures creating uncertainty for investors as the cost of living soared. Now, with early signs that inflation may have peaked both here and in the US, our investment experts look forward with renewed hope to the investment landscape that lies ahead and what it could mean for your clients.
Quilter: Help ringfence your clients inheritance
With 73% of people* saying that ensuring the right person in the family gets the money is the most important consideration when gifting money, a trust can be an invaluable financial planning tool to deliver this. It will also help your clients to mitigate tax and give them control over how and when wealth is distributed.
Quilter: Pension Health Check
Start Quilter’s pension health check to help you assess the suitability of the various pensions held by your client to determine the best product in which to consolidate them.
Quilter: Make your client’s pension fund last longer
Quilter’s Collective Retirement Account lets you offer your clients, like Quinn, ultimate tax efficiency, giving them easy access to their money and making their pension fund last longer through Quilter’s unique tax-efficient regular income options (TRIO).
Quilter: Join QTalk on 'Demonstrating the value of your at-retirement advice’
Creating a great outcome for your at-retirement clients is an ideal way to build trusting relationships. Pension flexibility is a complex web where many people make mistakes when they take the do-it-yourself route. By being that expert who understands all the options, you can help your clients navigate around all the potential pitfalls.
Quilter: Prove the value of your advice
Case study: Quinn. Quilter’s case study highlights the value of your advice for clients approaching retirement. They quantify the impact that your advice can have by comparing this to Quinn going it alone.
Quilter: Powering your client’s pension through retirement
For clients like Quinn who are about to retire, the right investment solution is crucial to power their pension income all the way through retirement, particularly in a high inflation environment.