We give you more flexibility in how you produce illustrations for your clients. It makes the production of illustrations quicker and will give you the chance to have more meaningful conversations with your clients through ‘what if’ modelling. See our quick glance table showing the most efficient way to produce illustrations.
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New functionalities
‘Quick quote’ functionality
- Create a quote quickly without the need to capture full client or application details.
- You can then convert the illustration to a full application if the client proceeds with the investment at a later date.
Find out how in our 'How do I create a quick quote for a client?' article.
‘What if’ modelling
- Model different scenarios on behalf of your clients, so they can understand the implications of the choices they make and you can plan more effectively.
- Available for all products across a range of investment options, including changes to contributions, fees, and more.
- Asset specific ex-ante cost and charges figures can also be produced to disclose costs when switching.
Learn more in our 'How do I produce ‘What If’ and ‘No Change’ projections?' article.
Pension illustrations
For non-pension products (CIA, ISA and CIB), and fully uncrystallised pensions, the presentation of illustrations on our new technology platform is broadly the same as the illustrations you previously generated. Therefore you should not notice much, if any, difference to those you are used to.
Where a client has multiple crystallised sub accounts, you will notice they are presented together within the same illustration. Each crystallised sub account will be detailed separately.
For more details about the underlying structure of the Collective Retirement Account, please see our helpful guide.
- Multiple sub accounts are presented together within the same illustration. Each sub account will be detailed separately.
- Where there is more than one crystallised sub account, these will be presented alongside the uncrystallised sub account.
- The reduction in yield on the crystallised sub account(s) may be higher than you were expecting. This is because we will deduct the Product Charge and adviser ongoing servicing fee for the uncrystallised sub account from the largest valued crystallised sub account held in the account. This means the combined effect of our charges and any asset manager charges reduces the crystallised sub account to give a reduction in yield figure that may look a lot higher than expected. It could also result in the reduction in yield of the uncrystallised sub account being lower than expected.
- We have ordered the deduction of charges in this way to benefit your clients. Deducting charges from the crystallised sub account first helps from a tax planning perspective. In the uncrystallised sub account, the assets are able to grow without the strain of charges which increases the rate of accumulation in this sub account for the purposes of additional tax free cash. In the crystallised sub account, the deduction of fees lowers the growth rate of the assets to mitigate against the second Lifetime Allowance test at age 75.
For more details about the new underlying structure of the Collective Retirement Account, please see our helpful guide.
View our questions and answers page.
Further support
Step-by-step training
View our ‘how do I’ video guides on how to use the platform, manage your clients’ investments and create reports.
Platform support
Get instant access to online resources such as training videos and Q&As that will help with your daily tasks.