Explore Your Options

Each individual has their own circumstances, we’ll help you understand what is best for you.

Is transferring right for me?

Our advisers at ilumiti have developed a simple 3 step process to select the best option for you.

Step 1 - Fact Find

We want to learn more about you so that we can get the best picture of your situation and give you the best advice.

 
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Fact Find

We will take time to understand you and your personal circumstances such as your income requirements in retirement, your financial assets, family situation and objectives.

Importance

We appreciate that filling in forms can be time-consuming, but it is vitally important that we get a 360-degree view of your situation before we can advise you on your retirement options, the more information, the better!

Analysis

Once we have all the information at hand, we can start to analyse what options are available to you. We compare and contrast those options, which helps you to paint a picture of what your retirement might look like.

Step 2 - Consultation

We will allocate an adviser to you who has a detailed understanding of your scheme. They will explain the options available and help you find the best solution to meet your retirement objectives.

 
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Speak to an adviser

Your dedicated adviser will help you get a complete picture of your retirement planning and answer any questions that you may have. If a transfer appears to be the most suitable option two or more consultations may be required.

Peace of mind

There is no substitute for having a conversation with an expert. We will try our hardest to help you understand your options and don’t worry about asking questions - the more the better!

Step 3 - Recommendation

Your adviser will take account of all of your pensions to see if you can achieve your future needs and objectives. We will make a formal recommendation and show you the total pension income you can expect to receive.

 

Reason why

We won’t simply make a recommendation and send it to you, we will take the time to explain our advice.

Potential transfer

A recommendation to transfer is only made if the adviser is able to demonstrate this is more likely to help you achieve your needs and objectives.

Your adviser is impartial; their remuneration does not depend on any decisions that you make.