2022-03-22 GDD

Our customer proposition for ‘Pension Planning’
This service is suitable for customers requiring ongoing advice and oversight of their
pension fund investments, as well as those wishing to make new pension contributions.
This service is not suitable for customers intending to hold pension fund investments within
a single asset type or through a discretionary manager. It is also not suitable for customers
requiring limited or one-off advice.
We will take over servicing of an existing pension fund and make necessary
recommendations to ensure it is consistent with the customer’s tolerance to risk and
requirement for future returns.
We will forecast the likely value of your pension fund and the benefit this may provide on
your retirement. We will then compare this against your need for income at that point and
identify any risk of shortfall.
We will also examine features, charges and financial strength of the providers with whom
your pension fund is invested to determine the extent to which these meet your needs. We
will also determine whether effectiveness of the investments selected those products to
establish whether they provide the optimum potential for future returns.
Once we have provided our advice, and we have received instructions on how the customer
wishes to proceed, we will then arrange for the agreed transactions to be carried out.
Where you have asked us to provide continuing oversight, we will also:
• Forward any relevant communications received from product providers from whom you
have transferred servicing rights responsibilities to us.
• Monitor any changes in legislation, tax allowance, product terms and product provider
status and notify you where these impact on those objectives, attitude to risk and
personal circumstances you have notified to us.
• Undertake a formal review of our original advice and recommendations at intervals of
twelve months.
• Calculate and provide you with a valuation of your investments at quarterly intervals.
• Advise you on rebalancing your investments and review the suitability of each investment
in your portfolio at six monthly intervals.
Page 27 of 34 General Disclosure Document 23/3/2022