About Us
Helping to put retirement at the heart of your proposition
2 min read 27 May 26
The information contained in this page is for UK Financial Advice Professionals only. If you are a private investor, please visit the Private Investor section or contact your Financial Adviser for more information.
People are working for longer, phasing how and when they slow down, as well as supporting family members across generations. This can result in them drawing income in more flexible and less predictable ways.
Our role is not to decide how your clients should retire, but to give you the control and flexibility to support different planning requirements. By bringing together accumulation, consolidation, income and longer term considerations together in one place, we allow you to adapt strategies as your clients’ lives evolve.
A platform that supports advice, not just a single outcome
The important thing about retirement planning is not a single strategy, asset or product, it’s giving advisers the ability to deliver the right outcomes for individual clients. Each client has different priorities, timelines and trade-offs to consider, yet all require the ability to adapt as life changes.
The M&G Wealth Platform is here to support that kind of flexibility.
Where retirement is treated as a long term consideration. Income can be shaped over time, not fixed upfront. Investment risk is actively managed and where family, tax and longer term considerations are part of the planning conversation, not an afterthought.
The faces of retirement
See how we can support two different retirement scenarios.
- From growth to decumulation
- Retirement and family wealth
Supporting the shift from growth to decumulation
Gareth, 57, Self-employed building contractor
Gareth has spent much of his career focused on growth. After years of building pension savings across multiple arrangements, his priorities are starting to change. While he expects to continue working for the next decade, he wants to simplify his pension landscape and begin preparing for how income could be taken in the future.
Rather than committing to a fixed retirement date or income plan, Gareth and his adviser are focused on preserving flexibility. The emphasis is on creating a portfolio that can gradually transition from growth to income, with scope to adjust investment risk, asset mix and income levels as circumstances evolve.
This is not a real life example or a recommendation
How the M&G Wealth Platform can help
Pension consolidation to create a single planning base. Bringing multiple pensions together makes it easier to manage the shift from accumulation to decumulation without fragmenting strategies.
No platform charges for holding a SIPP or trading funds and direct securities. Giving the freedom to rebalance, introduce income producing assets or adjust portfolios over time without cost becoming a constraint.
Portfolio management choice. Supporting adviser led model portfolios, model portfolio services, and full discretionary management. Allowing different approaches to be used as the focus moves from growth to income.
Smoothed funds to help manage volatility during transition. Used selectively to reduce the impact of market movements as income planning comes into sharper focus.
Flexibility around taking benefits. Enabling advisers to shape when and how income is taken, while retaining the ability to continue longer term planning where appropriate.*
*Subject to HMRC rules.
Aligning retirement income with longer term family outcomes
Sophia, 61, Freelance management consultant
Sophia is approaching retirement with assets spread across pensions, ISAs and other investments. While she needs reliable and tax efficient income, her planning decisions also take account of wider family circumstances and longer term considerations.
Rather than viewing retirement income in isolation, Sophia and her adviser are considering how different wrappers are used over time. Decisions about which assets are drawn on first, and which are retained, form part of a broader approach that balances income needs today with flexibility for future family and estate planning under current UK rules.
This is not a real life example or a recommendation
How the M&G Wealth Platform can help
Broad wrapper choice in one place. Supporting joined up planning across pensions, ISAs, Bonds and GIAs, allowing advisers to align income planning with longer term objectives rather than treating each wrapper separately.
Sequencing and ongoing planning flexibility. Enabling adviser led decisions around which assets are used, and when, as circumstances and priorities evolve.
Income focused investment approaches. Supporting DFMs and model portfolios that balance income requirements with the potential for retained assets to continue working over time.
Smoothed funds to help manage volatility during transition. Used selectively to reduce the impact of market movements as income planning comes into sharper focus.
Family linking and Junior ISAs. Helping reflect family relationships and intergenerational planning within a single platform structure.
References to tax and inheritance reflect UK legislation and planning context, not personal tax advice.
Built around adviser choice and flexibility
The platform supports a range of advice approaches, giving you the flexibility to build client specific portfolios, run your own models or access external expertise where needed. With access to a wide universe of funds, ETFs, investment trusts and equities, alongside a broad selection of DFMs, you can align portfolios to different client objectives using adviser managed, model portfolio or discretionary solutions.
Our inclusive pricing means there are no additional platform charges for trading funds or direct securities, removing cost as a barrier to rebalancing or adjusting portfolios over time. Where DFMs trade directly, transactions can be executed in real time, and we can support a wide range of providers, with scope to explore adding new DFMs where required.
By supporting planning across accumulation, income and longer term considerations in one place, we aim to give you confidence that solutions do not need to be rebuilt every time a client’s circumstances change. This includes flexibility around income payments, with 28 available payment dates each month, allowing clients to access income and align payments to their individual needs.
All this means you can focus on what matters most, delivering considered, personalised advice. Secure in the knowledge that the underlying platform structure can continue to support clients as their lives, priorities and retirement journeys evolve.