Maximise your clients' tax allowances

Use our dedicated resources to help make the most of this year's tax-efficient opportunities on Aegon Retirement Choices (ARC).

You can find useful campaign tips, ready-made templates, guides, key information and tools to make the most of the tax-efficient opportunities for your clients.

Could consolidation be right for your clients?

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ARC allows your clients to save using an ISA, a self-invested personal pension (SIPP) and a general investment account (GIA), letting them diversify their portfolio and giving them the opportunity to bring their assets together into one place.

If your clients' total ARC portfolio is over £250,0001, our price cap means there's no charge on assets over this amount.

Take a look at our consolidation toolkit to see if it could be the right move for you and your clients.

Consolidation toolkit Consolidation toolkit

It’s important your clients are comfortable with the investment choices they make as they may lose features, protections, guarantees or other benefits when they transfer. The value of your client’s pensions or investments after any consolidation can fall as well as rise and they may get back less than invested or paid in. Any new funds you move your client’s money into will have their own set of risks that will be detailed in the fund information that will be available to you.

1or a negotiated price cap which is different.

Run your own ISA campaign

Use our simple three-step process to run an ISA campaign, and help your clients make the most of their tax-efficient ISA allowance. The application process on ARC is online and signatureless, making it easy for you and your clients.

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1. Identify opportunities

If you have ARC clients with an existing ISA, find out if they have any unused ISA allowance using Report Zone.

Log in to Report Zone Log in to Report Zone

The Report Zone guide [PDF, 558KB] will help if you haven’t done it before.

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3. Submit your business

Once you've heard back from your clients and discussed what they want to do next, log in to ARC to process their instruction.

Log in to ARC Log in to ARC

Guides and support for submitting business

Read through our range of guides to help your submit business on the ARC. For all the forms and guides you need, go to our Document library.

Digital journeys Digital journeys

We've made easier to do business on ARC, find out what you can do online and when paper forms are needed.

Report Zone guide Report Zone guide

Create an unused ISA allowance report using Report Zone

How to submit a new ISA or GIA How to submit a new ISA or GIA

View our helpful guide when submitting a new ISA or GIA on ARC.

Online support Online support

Use our guides to help you navigate the platform and transact online.

CGT tool CGT tool

We've enhanced our CGT tool with a scenario planner, making it even easier to manage your ARC clients' capital gains tax liabilities. Take a look at our CGT guide to find out more and watch our short video to see how the new tool works.

IHT Calculator IHT Calculator

Use our IHT calculator to see if your client has a potential inheritance tax liability.

 

The flexible ISA subscription rules introduced on 6 April 2016 don't apply to the Aegon ISA. Re-registering an ISA can take around 6-8 weeks. This is a guide only, in exceptional circumstances it could take longer.

Get in touch

More resources to support you

Helping your clients to plan their financial future Helping your clients to plan their financial future

We believe getting more people to access financial advice will improve their financial wellbeing. Here you'll find our latest research, guidance and support to help you to encourage your clients to plan for their futures and identify new advice opportunities.

Explore our Risk-Managed Portfolios Explore our Risk-Managed Portfolios

Available to ISA investors, the Risk-Managed Portfolios offer a complete multi-asset solution for a fixed 0.25% ongoing charges figure. The 5 Diamond rated2 range comes with expert asset allocation, risk management and robust governance built in. Capital at risk.

2The Risk-Managed Portfolios have a 5 Diamond Rating (Risk Targeted Fund Family) from Defaqto.


Tax planning opportunities with pension contributions Tax planning opportunities with pension contributions

Martin Haggart, our Technical Pensions Manager, looks at this being a good time for people to consider making pension contributions.

An update on the increase in the lifetime allowance An update on the increase in the lifetime allowance

Martin Haggart's update from September 2020 on the standard lifetime allowance increase.


A guide to ISA investing - for customers A guide to ISA investing - for customers

When choosing an ISA, this guide can help your clients understand the pros and cons between investing in a stocks and shares ISA and putting their savings in a cash ISA.

Advice Makes Sense

Have a look at our range of support material to help you with your client conversations, navigate industry changes and continue to grow your business.