A number of third party SIPP and Offshore Bond providers utilise the Novia GIA. The process is very straightforward with the Adviser and client opening up the external wrapper and filling in the relevant paperwork to outsource the custody to Novia.
The third party provider then sends the money across for investment on the Novia platform. Once on platform, the Adviser is able to manage the client investments (subject to any restrictions with the external wrapper provider).
The list we have provided below represents the majority of our suppliers but is not definitive. Please get in touch if you would like more information about our Third Party Suppliers.
Canada Life International offers a variety of solutions which are designed to grow our customers’ savings and investments. We have served the UK international bond market for 31 years and remain one of the leading international providers.
Canada Life is committed to supporting UK professional advisers and their clients through three separate legal entities based in the tax-efficient jurisdictions of the Isle of Man and Ireland.
Since being founded on the Isle of Man in 1987, Canada Life International Limited (CLI) has emerged as a leading provider of international investment bonds, estate planning and protection solutions to the UK. It is the only international company to have received a five-star financial strength rating from actuarial consultancy firm, AKG for eighteen consecutive years. CLI Institutional Limited (CLII) was incorporated in 2003 and is a wholly owned subsidiary of CLI.
With over 30 years of unrivalled strength, our international business has £20.56bn assets under administration (as at 30/09/21), with the added stability of being part of Great-West Lifeco. All of this is backed by our highly regarded service, technical expertise and award-winning products and proposition.
We offer a range of international bonds for growth and flexibility, designed for clients ranging from mass affluent to high net worth, individuals to trusts and corporates. Our market-leading range of investment options means advisers and clients can choose the right strategy for their needs. We also offer true open architecture, where almost any collective fund can be used, as can cash deposits, investment platforms or discretionary investment managers.
Premiere investment bonds
Our Premiere Accounts offer a flexible, tax-efficient way to invest in the future. Our Premiere Account is based on the Isle of Man, while the Premiere Europe Account is based in Ireland. Both accounts allow your clients to build a bespoke portfolio from an almost unlimited range of funds.
Your clients have access to regular withdrawals and ad hoc payments, either through partial surrender or segment surrender. And because The Premiere Account is available on a life assurance basis, you can link the bond to the death of the last surviving assured, or on a capital redemption basis with a fixed term of 99 years, removing the need to select lives assured.
Tax-efficient growth on the account
Take a regular income from the investment
Can be denominated in sterling, euro or US dollars
Enjoy a wide range of investment options
Estate planning opportunities
At Canada Life we offer an extensive range of estate planning products. Our Wealth Preservation Accounts allow individuals to gift money into trust for their chosen beneficiaries whilst being able to receive optional yearly payments. After seven years, the gift is free from inheritance tax. Investment growth, as may arise is outside of the estate and therefore free of inheritance tax from day one.
The Wealth Preservation Accounts are available as the Canada Life International Limited Wealth Preservation Account (WPA) in the Isle of Man or the Canada Life International Assurance (Ireland) DAC Wealth Preservation Europe Account (WPEA) in Ireland.
Your Future SIPP is designed to be the product of choice for a wide spectrum of clients and their advisers.
Your Future SIPP incorporates a range of features:
A modern, feature-rich online portal, offering the ability to view all existing plans and a comprehensive investment summary, including, a list of all investment firms linked to the SIPP. What’s more, clicking through on each investment firm provides an up to date list of individual investments and their values, as provided to us by the investment partner.
The ability to send a secure message to process a range of different transactions and instructions.
Access virtually the whole of market investment platforms, brokers and discretionary managers – including our renowned commercial property proposition, a dedicated team of property professionals who manage in excess of 5,700 properties.
Flexible event-driven fixed fee pricing, ensuring clients never pay more than they need to.
Our experienced staff are able to deliver a high level of service, backed up by our investment in market-leading systems.
The Curtis Banks Group was established in 2009 and through a combination of organic growth and acquisitions has quickly grown to be largest independent SIPP provider in the UK. We also specialise in small self-administered schemes (SSAS); our senior team having been involved with them since 1995, giving us almost unrivalled experience in the market.
With over 40 years’ experience, Dentons has gained a reputation as a professional, knowledgeable and efficient self invested pension administrator (SIPP and SSAS), renowned for its technical expertise and award winning customer service.*
As a self invested pension specialist, Dentons offers Self Invested Personal Pensions (SIPPs) and a full range of professional services for Small Self Administered Schemes (SSASs).
Dentons currently administers over 6,500 SIPPs with an average fund size of nearly £600,000 along with over 800 SSAS averaging funds of over £1.23 million. Assets under administration total £5.1 billion.
We understand that everyone is different and tailor our service to individual client needs. Our award winning service* demonstrates our commitment to delivering exceptional service.
Award winning service and product flexibility
Wide range of assets available – from simple investment strategies to complex property transactions
Extensive commercial property expertise
Dedicated named pension consultants and technical support
Transparent fee structure
Flexible retirement options – flexi-drawdown, UFPLS and capped drawdown
Strong record of profitability and financial stability
Robust due diligence processes with controlled exposure to non-standard assets
Integrated SIPP valuation service with Intelliflo’s Intelligent Office software
Electronic online form completion and e-signature via Docusign available for many documents
Simplified but robust anti-money laundering processes
Origo pension transfer process
Online SIPP application and 24/7 secure adviser portal service
Multi member single trust arrangement
Same extensive range of investments and service as for the SIPP
All members of the scheme should be trustees
Competitive fee structure
For more information about Dentons, please click the links below, email or call us:
*For eight years Dentons has been recognised for its service by receiving the 5 star award from Financial Adviser, as voted for by IFAs. For 2013 and 2015 we were also awarded top performer in the Life & Pensions category of these awards. This is an endorsement of our continuous focus on delivering exceptional service and flexibility and testament to how hard we work with advisers and clients to act in their best interests.
Whatever your client’s retirement needs, our range of Embark self-invested pensions are designed to meet them, with low entry costs for straightforward investments, through to a more bespoke solution for clients that require property expertise, greater diversity and wider investment flexibility.
An accessible, easy to understand and cost-effective personal pension. We’ve designed the Option SIPP to help simplify the complexity of pension investing; our Option SIPP gives your clients access to standard investments through our wide panel of DFMs, Stockbrokers and Platforms as well as with other directly held funds.
Our most flexible SIPP offers the greatest choice for your clients to control their retirement savings, with no restrictions on the number of investments that can be held and access to a wider range of investment opportunities, including certain non-standard investments
Both products are competitively priced with no hidden charges or time costed fees. Please visit embarkpensions.co.uk for further information.
Friends Provident International is a leading provider of sophisticated financial products.
In July 2020, IFGL acquired Friends Provident International from Aviva. FPIL provides savings, investment and protection to customers in Asia and the UAE. With offices in Dubai, Hong Kong, Singapore and the Isle of Man, they have staff worldwide, who are committed to helping customers achieve their financial goals. FPIL no longer accepts new business in the UK, but top ups can be made to existing Reserve Advanced or Succession Planning Bond policies.
IFGL has $21bn assets under management, for more than 230,000 customers around the world.
For more information please contact your usual Novia Regional Sales Manager, details available here. Alternatively please call Friends Provident International on 01624 821 212 or email [email protected].
Hartley Pensions has provided pension products to clients for over 35 years with all of our SIPP products having five-star Moneyfacts ratings.
Every client gets their own personal Pension Administrator, who holds industry-recognised qualifications. To us, you are not just another customer − we understand that every client has specific requirements.
We are here to make the complex world of pensions simple.
Hornbuckle products are now closed to new business. There is no impact to any of your clients who already have one of these products; they can still make contributions, invest funds and make withdrawals in exactly the same way as before.
All new SIPP applications for the Embark Group are processed through Embark Pensions, please see entry for Embark Pensions for more information.
For queries regarding any existing Hornbuckle products, please contact Hornbuckle customer services on 0116 366 8600 or by email [email protected].
The IOMA Group dates back to 1971 and were the first composite insurer company on the Isle of Man.
As a niche wealth manager, we have a proven track record in innovative solutions that deliver results and mitigate risk. The IOMA Group is small enough to offer a highly personal service, but sufficiently large to provider in-depth, specialist expertise.
Our international perspective on tax affairs, wealth creation and development, and retirement planning has reaped significant rewards for clients.
IOMA Life focuses on innovative and traditional ways to use life assurance as an effective wealth management and preservation tool.
Our inheritance tax solutions:
Estate Control Bond (ECB)
The bond is structured as a series of endowment policies which mature on a series of predetermined dates set by the Settlor. The Trustees have the ability to extend the maturity dates (some or all) to a later policy anniversary. The Trustees also have the ability to surrender or make assignments (to the Beneficiaries) of individual policies whenever they like (even during the Settlor's lifetime). Assigned policies can then either be held by the Beneficiaries or surrendered. ECB is a Chargeable Lifetime Transfer Trust. The Trust is IHT free after 7 years, with any growth outside of the estate immediately.
Estate Management Bond (EMB)
The bond is structured as a series of non-surrenderable endowment policies which mature on a series of predetermined dates set by the Settlor. The Trustees have the ability to extend the maturity dates (some or all) to a late policy anniversary. EMB is a Chargeable Lifetime Transfer Trust. The Trust is IHT free after 7 years, with any growth outside of the estate immediately. There are additional tax benefits with this plan.
Estate Transfer Bond (ETB)
The bond is structured as a series of non-surrenderable endowment policies which mature on a series of predetermined dates set by the Donor(s). The Trustees with the approval of the Donor(s) have the ability to extend the maturity dates (some or all) to a later policy anniversary. As the bond is non-surrenderable the Donor(s) is/are assured of an 'income' (as adult Beneficiaries are normally entitled to ask for their share under a Bare Trust). The trust is IHT free after 7 years (potentially discounted initially) with any growth outside of the estate immediately. ETB is a Potentially Exempt Transfer (PET) with maturity deferments being further PETs.
Other offshore solutions:
We also offer a range of single premium offshore bonds to suit different client needs. These include a stand alone offshore bond designed for UK residents.
Working with clients, Advisers and alliance partners, we set out to create products around specific needs. Whether we are creating a new type of product or designing a one-off structure, we apply high levels of skill and care to the task.
The Rowanmoor SIPP is closed to new business. There is no impact to any of your clients who already have a SIPP with Rowanmoor; they can still make contributions, invest funds and make withdrawals in exactly the same way as before.
All new SIPP business applications for the Embark Group are processed through Embark Pensions, please see the entry for Embark Pensions for more information.
For queries regarding any existing Rowanmoor SIPP products, please contact Rowanmoor on [email protected] or 01722 445 724.
With a heritage of over 25 years, Utmost Wealth Solutions is a provider of award-winning offshore bonds for high-net-worth UK residents. As at 30 September 2021 Utmost Wealth Solutions managed more than £55bn assets for over 210,000 customers. Figures include Quilter International policies on a pro rata basis.
Through a unique combination of complementary strengths, we offer outstanding service and focused expertise to our advisers and their clients who are seeking intelligent, tax-efficient ways to manage and pass on their wealth.
We provide insurance-based savings, investment and wealth solutions for UK, European and international clients.
Operating from the Isle of Man and Ireland respectively, Utmost Limited and Utmost PanEurope dac offer a range of specialist life assurance and capital redemption bonds to residents of the United Kingdom.
IOM: Our Evolution Bond offers access to a wide range of investment options including the Novia platform. The Estate Planning Bond, also Isle of Man-based, is combined with a discounted gift trust and is designed for Inheritance Tax planning.
Ireland: Our Selection Bond, available on a life assured and capital redemption basis, offers access to a wide range of open architecture investment options including the Novia platform. The Generation Planning Bond is combined with a discounted gift trust and is designed for Inheritance Tax planning.
Novia have negotiated special terms with Utmost Wealth Solutions, please contact your Novia/Utmost contact to find out more.
Utmost Trustee Solutions, our in-house trustee service, delivers expert support in all trust administration matters.
Utmost Wealth Solutions’ office hours are 9.00am to 5.00pm, Monday to Friday, excluding bank holidays.
Yorsipp has been developed to provide clients with the administration and technical support to allow them to utilise the full range of opportunities of their Self Invested Personal Pension and/or their Small Self-Administered Scheme.
Our staff have a wealth of knowledge and experience in the SIPP and SSAS market along with other pension contracts.
We are committed to provide our members with a high level of service and technical support to meet their ever changing needs. As a company our products are directed at the niche market, with a structure designed to enable a more bespoke service to clients, providing technical support to the IFA/Intermediary. We offer:
Competitive flat fees - no hourly rates!
Reduced fees for transferring from existing SIPP/SSAS
Wide investment options - Not tied to any particular funds, platforms or DFMs
Specialist/Experienced help when you need it!
We can open a bank account for SIPP funds on the day of application (conditions apply)
With our SIPP, Yorsipp are the only trustees - therefore there is no hassle or need to get all members signatures for every transaction!
We are a small company and therefore can have a closer relationship with our introducers and clients. We are professional and friendly!
Simple Application and literature available online
Clients are able to use own Surveyor and Solicitor for property purchase
Yorsipp has a flat management structure designed to enable a more bespoke service to clients with easy access to decision makers.
Bespoke SIPP & SSAS offering for clients considering: Purchase or Part Purchase of Commercial Property and Land Unquoted Shares In-Specie Transfers including property Loan-back to SSAS principal employer And other more esoteric unregulated investments
We focus on client retention, specialist technical support and providing a quality service!