Helping you each tax year end
Use this dedicated hub to make the most of the tax-efficient opportunities available on Aegon Retirement Choices and the Aegon Platform.
With resources, guides, ready-made templates and campaign tips to help you take advantage of the opportunities to support your clients.
Step 1 - Identify opportunities
If you have ARC clients with an existing ISA, find out if they have any unused ISA allowance using Report Zone.
Our 'How to' guides will help guide you through the process for Aegon Platform and for Aegon Retirement Choices.
Step 2 - Get in touch with clients
Use our sample templates in the table to create tailored ISA and JISA communications to your key client segments.
Step 3 - Submit your business
Once you've heard back from your clients and discussed what they want to do next, log in to process their instruction.
We've created sample templates for you to use when getting in touch with your clients.
| ISA client segment | Message | Sample templates |
|---|---|---|
| Top up: your client has invested in an ISA in this tax year, but still has some unused allowance. | You still have some of your ISA allowance to use in this tax year. | Aegon Retirement Choices – Topping up their ISA Aegon Platform – Unused allowance to top up – client ISA letter template |
| Prospect: your client has invested before but not in an ISA. | Did you know that you have an annual ISA allowance to increase your investments’ tax efficiency? | Aegon Retirement Choices – The value of investing in an ISA Aegon Platform – Prospect – Client ISA letter template |
| Dormant: your client has invested in an ISA in the past, but not in this tax year. | Don't forget that you can invest up to £20,000 in your tax efficient ISA in the current tax year. | Aegon Platform – Dormant – client ISA letter template |
| JISA opportunity: your client has used their ISA allowance, have they considered JISA? | You've used your ISA allowance this year, have you considered a Junior ISA for a loved one? |
Could consolidation be right for your clients?
Our platform allows your clients to save using an ISA, a SIPP and a GIA, letting them diversify their portfolio and giving them the opportunity to bring their assets together into one place.
Take a look at our consolidation toolkit to see if it could be the right move for you and your clients.
It’s important your clients are comfortable with the investment choices they make as they may lose features, protections, guarantees or other benefits when they transfer. The value of your client’s pensions or investments after any consolidation can fall as well as rise and they may get back less than invested or paid in. Any new funds you move your client’s money into will have their own set of risks that will be detailed in the fund information that will be available to you.
Digital journeys
We've made it easier to do business, find out what you can do online and when paper forms are needed.
CGT tool
Our CGT tool has a scenario planner, making it even easier to manage your clients' capital gains tax liabilities. You can view our short overview guide or take a look at our CGT guide to find out more.
IHT calculator
Use our IHT calculator to see if your client has a potential IHT liability.
Paying in to products
Details of how to make contributions by bank transfer and cheques.
Re-registering an ISA can take around 6-8 weeks. This is a guide only, in exceptional circumstances it could take longer.
The value of an investment can fall as well as rise and isn't guaranteed. Your client could get back less than they invest.
Martin Haggart, Technical Manager for Pensions, outlines our very latest thinking on the abolition of the lifetime allowance and the advice issues and opportunities.
By watching this video, you may be eligible for up to one hour of unstructured Continuing Professional Development (CPD) time.
This was recorded on the 1 March 2024 ahead of the 6 April 2024 changes taking effect, so please take this into consideration when viewing.