Royal London Pension - Adviser

Many people assume they’ll receive the full State Pension in retirement, but Department for Work and Pensions (DWP) figures show that, in 2023, only half of pensioners on the new State Pension got the full amount. 150,000 pensioners received less than £100 a week. The reason could be gaps in their National Insurance (NI) record. Clients may be at risk if they: 🟣 Had a low salary and didn’t pay enough NI 🟣 Were unemployed but didn’t claim benefits 🟣 Were on a high income but didn’t register for Child Benefits ⚠️There’s still time to act! Until 5 April 2025, people can make voluntary NI contributions going back nearly 20 years – potentially increasing their income. Help your clients make information decisions, share this article with them: https://ow.ly/6qxw50V1gCG *Royal London commissioned Opinium to carry out research into the State Pension with 4,000 UK adults from 23-27th June 2023. Data from Stat-Xplore May 2023. #StatePension #FinancialPlanning #RetirementPlanning

📣 Hear from Ilana Miller APFS, Investment Development Director as she gives her views on how the Governed Range offers value for money and aims to deliver good customer outcomes. Think you know the Governed Range? Think again. 💡 Start your investment journey: https://ow.ly/WsbL50VfJMn

We’re thrilled to announce that we’re sharing £181 million of our profits with over 2 million eligible customers. Proudly customer owned since 1861. 💸 Discover the value ProfitShare can bring to your clients: https://ow.ly/OaNK50VfI2s #mutuality #proudlycustomerowned #profitshare

Sophistication and simplicity where you need it. Dig deeper into the sophistication of the Governed Range for your clients with our multi-asset portfolio guide. Download the adviser guide and start recommending Royal London to your clients. 👇 https://ow.ly/sVr450UUTpG

Are you up to speed with all the key dates this tax year end? Our tax year end hub is designed to support your conversations and help you provide the best advice to your clients. 📌 Discover more: https://ow.ly/cV3f50VeY4J

📣 Hear from Ilana Miller APFS, Investment Development Director as she gives her views on how the Governed Range offers value for money and why it’s not just for basic investors with simple investment needs. Think you know the Governed Range? Think again. 💡 Start your investment journey: https://ow.ly/aNpr50VbCvh

With tax year end fast approaching, we dive into what advisers like you are asking us 🔎 Check out Justin Corliss FPFS's latest article. He covers key topics such as: 👉 Changes and impact of employer NI contributions 👉 Rules around carry forward 👉 Future applications of IHT to pensions Read now: https://ow.ly/ky0r50V8hwu

As a financial adviser, you help clients plan for the future. One key area to remind them of is their State Pension entitlement. To receive the new full State Pension, people need 35 years of National Insurance contributions – but many have gaps in their record without realising it. Up until 5 April 2025, there’s a rare opportunity to fill in gaps going back almost 20 years by making voluntary contributions. This won’t be the right for everyone, but for some it could mean extra income in retirement. Encourage your clients to check their State Pension forecast and explore their options: https://ow.ly/1rOL50V1gCj #StatePension #FinancialPlanning #RetirementPlanning

🎧Catch up on our latest webinar: Budget update and Tax year end planning. In this webinar, Fiona Hanrahan MA(Hons) MBA FPFS and Justin Corliss FPFS discuss: 👉 The October 2024 budget changes and what it means for your clients. 👉 Tax changes and the future increase in employer National Insurance. Catch up on demand now: https://ow.ly/nKtt50V2Eh8

“Here at Royal London, we're more than just a pensions team. We're here to support your back office, your front line, we’re your helping hand.” Michelle, one of our Regional Distribution Managers explains how our Business Development Managers can help you at tax year end and beyond. Visit our tax year end hub now:https://ow.ly/laEO50V2zNX