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Centralised Retirement Propositions

Is it time to add a Centralised Retirement Proposition for income?

Centralised Investment Propositions (CIPs) are now a familiar concept with many firms, and have helped create a structured investment advice process that aims to be consistent, repeatable and deliver suitable outcomes for different client segments. CIPs demonstrate how advice firms deliver robust governance around their advice process.

The FCA has stated that when advice firms introduce CIPs they should… 'Consider the needs and objectives of your target clients when designing or adopting a CIP'. It's clear from this that a CIP (and a CRP) is broader than simply selecting an investment. It must include how client objectives are identified and validated – key elements of any financial planning process.

As the market settles after pension freedoms, should you complement the CIPs you use for clients accumulating wealth with a Centralised Retirement Proposition (CRP) for clients needing income?

Our in-depth guide takes you through the steps involved.

And our CRP Summary Guide breaks down the key themes of the full guide into easily digestible segments.

Click here to see our supporting literature.

 

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