Tools & Resources

Tools & Calculators

Click on the tabs below to review many useful adviser support tools offered by our partner firms. These can help you plan, help aid the understanding of products and assist with business development.

Auto-enrolment

Aviva


Find out how much your clients and their employees should each pay.


Helping your clients get ready for auto-enrolment quickly & easily


Helps you perform a quick assessment of your client’s workforce. You can enter indicative information, or upload a file using your client’s actual payroll data.


Royal London


Use it to create reports and deliver services to current and prospective clients efficiently and profitably.


Scottish Widows


This set of tools will help advisers and employers to plan the most appropriate route to fulfilling auto enrolment duties and to test different scenarios.


Helps advisers calculate the income replacement ratios for a group of employees and to identify the key areas for focus using tailored RAG status indicator.


You can choose to Create a new plan for an Employer by entering the basic plan settings and completing the inputs for each of the required tasks.


Corporate pensions

Scottish Widows


Annual pension at retirement age


Find out how much your bad habits are costing


What type of Pension investor are you? Adventurous, Balanced or Cautions.


This tooll allows your client to state what level of pension they want and whether they're likely to achieve this.


DFM

Brooks Macdonald


Brooks Macdonald is committed to working closely with professional advisers to provide clients with an award-winning range of investment management solutions


Whilst the approach suggested by our seven-step guide is by no means exhaustive, the feedback we have received over the years is that it is a very valuable tool.


Pension freedoms have led to a surge in people seeking professional retirement planning advice...


There are a number of areas for advisers to consider when choosing a discretionary fund manager...


MiFID II provides one of the biggest regulatory challenges the UK wealth management industry has faced in recent years. Its implementation will impose new mandatory requirements on firms within the industry.


MiFID II provides one of the biggest regulatory challenges the UK wealth management...


Investec Wealth & Investment


We will partner you in supporting your clients’ investment objectives, giving your clients access to an extensive pool of investment opportunities and managing their investments with extraordinary levels of personal service. By building long-standing relationships with you and through the quality of our service delivery, we will make it as simple as possible for you to work with us.


This report is designed to assist professional advisers and intermediaries in carrying out their due diligence assessment prior to using the services of Investec Wealth & Investment.


We are often asked what makes Investec Wealth & Investment different and distinctive? We have set out the essential components to demonstrate how our financial adviser partners and their clients can enjoy a relationship with us, that is genuinely out of the ordinary.


Investec Wealth & Investment has been named as both the most popular and most preferred discretionary fund manager by advisers, up from fourth place last year, according to Defaqto.


70% of financial advisers predict an increasing number of clients will consider switching some of their capital out of cash and into other asset classes.


Still important to hold government bonds.


The retirement of IFA owners will be the biggest driver of industry consolidation over the next two years.


Two thirds of advisers expect client enquiries about transfers from Defined Benefit to Defined Contribution schemes to increase over the next 12 months.


Equity Release

Just


This calculator shows the early repayment charge that might be applicable to a new Just Retirement Roll Up Lifetime Mortgage.


This unique calculator allows you to use a range of assumptions to determine the costs and benefits of equity release.


Our Indicative Lifetime Mortgage Tool allows you to illustrate to a client the total that they may be able to release from their property.


Provide your client(s) with an indication of the maximum loan amount and loan to value (LTV) available to them through the Lump Sum Plus Lifetime Mortgage.


Ethical Investments

SRI Services


Research the sustainable, responsible and ethical investment fund market with our Fund EcoMarket tool. The tool includes the option to filter by funds by name, SRI Style, product, investment type or SRI policy area and includes links to fund manager sites.


The Fund EcoMarket sustainable, responsible and ethical fund information hub has full report functions in order to help meet your audit trail needs.


Use our unique ‘SRI StyleFinder’ fact find tool to help your clients identify their most appropriate ‘SRI Styles’. Your findings can then be used to find ‘ethically relevant’ fund options via Fund EcoMarket.


Investments

Aberdeen Asset Management


Introduce your clients to a wider range of bond opportunities.


BlackRock


Help your clients understand key investment concepts through our library of scenario-specific charts and talking points.


Find some useful topics and tools to help you guide your clients through main investment themes: volatility, diversification and income.


Get a deeper understanding into what’s on investors’ minds by looking at the results of our annual investor survey.


Morningstar fund compare gives you line by line comparison of key statistics and performance indicators for up to five ETFs, open-ended funds and investment trusts.


Morningstar fund screen enables you to filter the fund universe by keyword, currency, universe and sector to find the best funds for your research.


Morningstar’s real-time interactive chart allows you to create charts, do technical analysis and view intra-day quotes for any ETF, index, open-ended fund or investment trust.


Portfolio Comparison allows you to compare two portfolios side-by-side across multiple data points such as region, sector, investment style, key statistics and performance indicators.


Portfolio Manager gives you the opportunity to create, save and edit multiple portfolios. Once stored, you can conduct analysis on these portfolios using other tools such as Morningstar X-Ray or the Morningstar Portfolio Comparison.


Portfolio X-Ray is a sophisticated analytical tool that provides an instant assessment of how your portfolio is diversified by region, sector and investment style.


Canada Life


Our Equity Prices tool allows you to follow the movement of any LSE quoted equity. The tool provides the ability to chart your chosen equity against other equities and/or major indices and LSE sectors.


Our fund charting tool allows you to plot the performance of any fund, with options to add other funds or sectors to your chart, to be used for comparative purposes.


Our online financial planning and asset allocation tool, powered by Distribution Technology.


Our detailed Market Information tool allows you to view real time data on the major world markets, UK sectors and equity movements.


This calculator incorporates a set of planning assumptions to allow you to examine the effects of setting up international bond as a series of segments, or identical policies. To make the bond as efficient as it could be, it is vital to set the policy up as a series of segments.


Fidelity


Our chart and compare tool allows you to find funds, shares and indices by keyword or category, create charts to visually compare performance and compare multiple results in chart or table format


Find the right funds for your clients' needs


FundsNetwork


This service allows you to calculate an investor’s CGT position for funds held on the platform. It’s the easy way of managing and reporting annual CGT allowances on behalf of your clients.


There are a number of items you can either download or request copies of, which will help to support you when discussing FundsNetworkTM Navigator with your clients.


The FundsNetwork™ Navigator Tool has been designed to provide a quick and consistent way to identify or validate the appropriate fund for a client’s needs and attitude to risk.


The Model Portfolio Centre allows you to create bespoke portfolios of up to 30 funds, taking into account the level of risk and whether it's growth or income that your clients require.


Invesco Perpetual


Use this tool to produce a personalised ISA or ICVC (OEIC) illustration specific to your client.


M&G Investments


Spin-free guides, investment insights, factsheets and fund updates designed to help your clients increase their financial knowledge and gain a better understanding of the investment world.


Help your clients understand the importance of a financial plan with our range of articles, client-facing materials and conversation starters.


Helping you to grow your business, keep you informed on fund and market updated and assisting you with your CPD requirements with Business Matters, iView, Investment Matters, M&G Connect, and our blogs: Bond Vigilantes, Episode Blog and the Equities forum.



Prudential


This calculator shows the effect, in money terms, of the preferential terms available for any funds chosen from the Available Funds List. It calculates the total initial saving, based on the discounted initial charge for each fund. It also calculates the average AMC, taking into account the percentage of the total investment put into each fund.


The calculator shows comparative after-tax cash-in values for an investment into a collective, offshore bond and onshore.


This calculator allows you to demonstrate fund value over specified number of years using various growth inputs. The goal based option allows you to input what the savings goal figure is, and how long it takes to achieve it.


Use this calculator to find out the potential IHT bill when using a Loan Trust.


The calculator shows what level of investment would be needed in an offshore bond to meet school or university fees and what tax might be payable on withdrawals.


Rathbones


Visit Rathbone Unit Trust Management’s ‘our funds’ pages for the latest downloads, prices and charges as well as interactive charting of industry funds, indices and sector averages to an exportable pdf.


Royal London


The risk profiler to help give you an idea of your clients' risk attitude and see which of our suggested investment choices might meet their needs.


Schroders


An online reporting tool providing tailored reporting and exclusive literature for advisers who use Schroders’ Multi-Manager Diversity range.


Develop your understanding of how your clients feel about taking risk with this risk profiling tool designed by Dynamic Planner.


Writing "Reasons Why" letters is a necessary part of your job - one we can help you with. We have designed this tool to provide you with ideas for these letters.


Scottish Widows


This will calculate the chargeable event gain on full encashment of a Bond.


Help calculate your risk profile and investment choices


Fund factsheets, prices, performance & charting


Standard Life Investments


You can use the MyFolio Lookthrough Tool to create personalised reports for clients invested in the MyFolio funds. The reports give a full breakdown of your clients’ portfolios including the percentage and value invested in each underlying fund.


Enter your details to access portfolio tools, email alerts and other interactive tools from across the Standard Life group.


Mortgages

Scottish Widows


This calculator will give you a broad indication of the amount we are able to lend.


Use the offset calculator to see how much your clients can save


Pensions

Aviva


See how you can make your clients funds more tax-efficient with income drawdown.


Set up pension payments that allow both employers and their employees to make a saving.


James Hay Partnership


The Modular iPlan enables you and your clients to make the most of new pension freedoms. By bringing together pensions, savings and investments in one place, it offers a wide choice of investment options – a powerful and cost effective way to manage a retirement income with a SIPP at its core.


Our Technical Hub could prove to be an invaluable source of information for your business, providing advisers with technical resources that cover complex tax, trust and pensions issues.


Just


Calculate how much income tax is payable by your client if they take their pension fund as cash.


M&G Investments


Advisers have a key role to play in helping people find the right solutions for making adequate provision for long, comfortable financial futures. Help your clients understand the importance of a financial plan with our range of articles, client-facing materials and conversation starters.



Prudential


This calculator allows you to input details of your client's pension contributions to determine any unused Annual Allowance; carry forward opportunities and potential charges.


Our Annual Allowance calculator allows you to input the details of your client's existing and expected pension input amounts.


This can be used to find out the monthly gilt yield and impact of this on the amount of income that can be taken from income drawdown as well as seeing historic gilt yields in a chart and table format.


This tool helps you work out the amount of annual allowance used up in a defined benefit pension scheme.


Annual Allowance usage is based on pension input amounts made in pension input periods.


This tool is designed to give a general demonstration of how the operation of emergency tax has an effect on the payment of an UFPLS.


This modeller has been developed to help you answer those retirement income questions that clients may have.


This tool helps you compare the tax, national insurance and pension position for a client before and after an exchange of salary.


This tool helps you compare the tax, national insurance and pension position for a client before and after an exchange of salary.


This calculator allows you to enter details of your client’s salary, personal (RAS) pension contributions and employers pension contribution.


This tool allows you to estimate your clients liability to tax and shows the impact on their tax position by making pension contributions.


This client-facing tool shows how much money personal pension contributions could get with the help of the tax man.


When it's time to talk transfers - do you have all the right kit in the bag?


Royal London


This tool uses stochastic modelling to produce a detailed picture of the risks to your client's future income.


The Pensions Trust


This calculator provides estimates based on assumptions about the future.


Platforms

The Lang Cat


A directory of the platforms that market to, and provide services to, financial advisers.


Protection

Aviva


Income protection calculator


Royal London


To help you assess your client's affordability and the level of cover they require, we have created a calculator for you to use with your client to help prompt them to think about all their monthly expenditure.


This calculator will help you to decide on an appropriate amount of cover for a key person.


Identify new opportunities to write business protection and grow your business


When setting up protection for shareholding directors or partners you should consider arranging to even out any differences between the payment that each is making to their plans. This is known as equalisation of premium or payment.


We can help you give your clients advice on things that can go with the protection sale - trusts, wills and guardianship.


How much more protection could your client afford each month?


Use this tool to find out how your client’s occupation could impact the cover and terms we can offer.


Compile the demands and needs letters to support your recommendation.


Use this calculator to work out the tax savings of a relevant life policy compared with an ordinary policy.


How much could a relevant life policy save your clients?


Design your own objection handling sales aids with our unique and simple-to-use e-business tool.


Scottish Widows


Use this to assess the value of your client’s business so that you can recommend the right level of cover


Uses your client's occupation to show the definition of disability which applies to Total Permanent Disability (TPD) or Premium Protection (PP), before any medical underwriting.


Allows you to establish the level of cover to recommend for key people in the business.


This calculator help to equalise premiums that shareholding directors or partners are paying in respect of their policies.


Uses information about your client’s personal finances to calculate their potential need for protection.


Shows your clients the potential tax savings of a relevant life policy.


Uses key facts to highlight to your client the need for critical illness and life cover.


Our interactive pre-application tool gives an indication of the underwriting outcome for your client's medical condition.


Use our tools to help set your client's expectations when applying for Protection.


VitalityLife


Use our BMI calculator to find out whether your clients application is likely to be accepted or declined.


Our interactive Decision Tree provides you with VitalityLife's business protection solutions based on business type, purpose of cover and the person being covered.


Our interactive Decision Tree provides you with VitalityLife's business protection solutions based on business type, purpose of cover and the person being covered.


A calculator to illustrate the risk of key members of a business dying before retirement age.


Use our simple calculator to work out how long your client could survive without an income if they were unable to work.


Answer a few simple questions and our Protection Calculator can help you discover what cover you might need. Client facing tool.


Not sure how much protection you need? Our Protection Calculator can help you decide what life insurance you might need.


Interactive tool that shows how our Serious Illness Cover covers more conditions compared to traditional Critical Illness covers.


Retirement

BlackRock


Use the CoRI tool to provide a quick way to estimate what it will cost today for each pound of annual income in retirement and give you a new way to frame important retirement conversations with your clients.


Just


Explore the effect of delaying retirement for one year.


With increasing pressures on your time and the need to reduce the cost of your ‘at retirement’ advice process, Just Retirement’s free to use, suitability report service could help.


Calculate your client's risk of running out of money if they opt for a flexible income through drawdown.


Explore the effect of choosing a level versus an escalating annuity income and delaying retirement for one year


This calculator helps you give your clients an indication of the chances of them living to certain ages.


Understand income sources and expenditure throughout retirement, and help identify any shortfall in income requirements.


Prudential


This calculator allows you to see the impact of different gilt yields on the amount of income that can be taken from drawdown.


Our Capped Drawdown GAD calculator is easy to use across a range of devices.


Our Defined Benefit Pension Input amount tool allows you to enter details of your clients.


This modeller has been developed to help you answer those retirement income questions that clients may have.


From simple scenarios through to full retirement planning: a variety of optional inputs makes the model bespoke for each client.


From simple scenarios through to full retirement planning: a variety of optional inputs makes the model bespoke for each client.


Our Annuity Income Calculator has been designed to provide you with an insight into how our With-Profits Pension Annuity has performed.


Royal London


This tool will help you establish what income your client needs in retirement and demonstrate the options available to meet their needs.


Scottish Widows


See how much your client could take from their pension


What type of Pension investor are you? Adventurous, Balanced or Cautions.


Offers a comparison of illustrated maturity values between providers using consistent growth assumptions, giving a like-for-like comparison


Explore the opportunities available to your clients now, with our retirement planning calculators.


Tax, Trusts & ISAs

Canada Life


Inheritance Tax is paid when a person's estate is worth more than £325,000 when they die. This calculator will work out your client’s approximate inheritance tax liability. Inheritance tax planning is recognised as a common sense and acceptable approach to ensuring your client’s wealth goes where they want it to after their death.


This tool concentrates on inheritance tax (IHT) mitigation. Selecting an appropriate trust is something that requires the specialist advice of an advisor and in response to a series of questions about your client's specific case and circumstances our tool can make a broad suggestion from Canada Life’s wide range of trusts.


FundsNetwork


This service allows you to calculate an investor’s CGT position for funds held on the platform. It’s the easy way of managing and reporting annual CGT allowances on behalf of your clients.


From a tax perspective, certain asset classes work better within certain wrappers. Our Tax Wrapper Analyser can help you select the best wrapper for your clients


James Hay Partnership


The Modular iPlan enables you and your clients to make the most of new pension freedoms. By bringing together pensions, savings and investments in one place, it offers a wide choice of investment options – a powerful and cost effective way to manage a retirement income with a SIPP at its core.


Our Technical Hub could prove to be an invaluable source of information for your business, providing advisers with technical resources that cover complex tax, trust and pensions issues.



Prudential


This calculator lets you work out the discount that may apply when using a Discounted Gift Trust.


This tool is designed to give a general demonstration of how the operation of Emergency Tax has an effect on the payment of an Uncrystallised Fund Pension Lump Sum (UFPLS).


This calculator is designed to give a general demonstration of how the operation of Emergency Tax has an effect on the payment of an Uncrystallised Fund Pension Lump Sum


This tool will enable you to sit with a client and discuss the different options that they have for extracting profits from their business.


Use this calculator to find out the potential IHT bill when using a Gift Trust.


This calculator is designed to provide a basic indication of a potential inheritance tax liability on either a discretionary gift trust; a discretionary discounted gift trust; or a discretionary loan trust.


Use this calculator to find out the potential IHT bill when using a Loan Trust.


This tool can help save you time by highlighting the correct Trust form to be completed in conjunction with the appropriate application form for Prudential's and Prudential International's investment bonds.


Use our quick and easy Tax Relief Calculator to see how much money your client's pension contributions could get with the help of the tax man.


This tool allows you to input the details of your client's income and existing pensions contributions and highlights the effect a pension contribution can have on someone's tax position.


Our Tax Relief Modeller allows you to input the details of your client's income and existing pensions contributions.


Royal London


This tool allows the content editor to change the NIL rate and years.


VitalityLife


Calculate your expected Inheritance Tax bill (IHT) in four easy steps.


Find out exactly how much your client could save on tax with a Relevant Life Policy from VitalityLife.