For Employees
Overview
Launching with AllAdvised is a breeze. Our step-by-step guide walks you through the simple registration process, from initial setup to employee onboarding. With supportive imagery and clear instructions, we make it seamless for you to offer this transformative financial planning service to your team.
Why doesn't your employer offer this?
Unlock Your Financial Potential
Comprehensive Financial Health Check for Every Employee
Our Financial Health Check is designed to give you a 360-degree view of your financial situation, identifying strengths and uncovering areas for improvement. Tailored to your unique circumstances, it provides actionable insights and a roadmap to financial well-being, ensuring you're on the right path to achieving your financial goals.
How It Benefits You
Peace of Mind:
Rest easy knowing you and your loved ones are protected.
Customised Coverage:
Get coverage that fits your life and budget, not the other way around.
Financial Security:
Ensure your family’s financial stability, even in tough times.
Navigate Retirement with Confidence
Customised Retirement Planning for a Fulfilling Tomorrow
Retirement planning is about more than just saving money; it's about creating a vision for your future. Our service helps you plan for a retirement that's as active or relaxed as you want it to be, with strategies tailored to ensure your financial security.
How It Benefits You
Future Readiness:
Prepare for the retirement you work for and dream of with a clear, actionable plan.
Sustainable Income:
Strategies to ensure a steady income flow throughout your retirement.
Lifestyle Maintenance:
Live your retirement years to the fullest, without financial worry.
Grow Your Wealth Wisely
Build Your Wealth for Long-Term Success
Wealth accumulation is a journey that requires smart planning and strategic decision-making. Our expert advice focuses on building your wealth sustainably, with investment strategies that match your risk appetite and long-term goals.Building wealth is a journey that requires intelligent planning and smart decision making.
How It Benefits You
Smart Investments:
Navigate the world of investments with expert advice and tailored strategies.
Wealth Growth:
Achieve your financial goals faster with focused wealth accumulation plans.
Risk Management:
Balance potential returns with smart risk management techniques.
Employee FAQs
How does this differ from my current workplace pension?
This service sits alongside your workplace pension, it doesn’t replace it. It is there to advise you on what the best investments are for you within the range of options that you have.
Why is it important to review my pension investments?
When you joined the pension scheme, unless you specified what you wanted to invest into, you were placed in the default fund. This fund may not be appropriate for you and therefore it is important to review your investment choices to ensure you that you are invested in the most appropriate funds for you.
How do I know what risk level to take?
We do this for you. We will ask you a series of questions on how you view risk to make sure that you take the right level of risk with your workplace pension.
How do I pick the investment options?
We do this for you. Once we have asked you a few questions, we will be able to provide you with FCA regulated advice on the most appropriate investment options for you.
Why is FCA regulated advice so important?
Unlike other services that are available to you, where you will be provided with information to help you make a decision; we take the guess work out of it. We are fully regulated by the Financial Conduct Authority, which means we stand by our advice and adhere to a strict code of regulatory conduct in giving you advice.
Our advice is protected by the Financial Ombudsman Service, to make sure that you are protected.
Can I change my pension investment choices, and how often should I review them?
Yes you can change your choices whenever you like. We review your portfolio every 3 months to make sure that it is the right thing for you. We recommend that you look at least once a year as bare minimum, however looking out for our updates is the best thing to do.
What role does the employer play in managing the pension investments?
Your employer is not responsible for managing your investment choices, you are. We know how hard this can be which is why we are here to help.
How can I diversify my pension portfolio for optimal returns and risk management?
That’s what we do. By looking at the investment options that you have in your pension scheme we aim to create the best blend of risk and return that is suitable for you
How much does this service cost?
This service is paid for by employers, so it comes at no cost to you, the employee. If they don’t offer you this service, fill out our enquiry form here and we will get in contact to let them know you have requested it.
How does market volatility impact my pension investments, and what strategies can I use to mitigate risks?
Market volatility can make your pension value fall as well as rise. By having a well diversified portfolio you can mitigate the impact of this. This is where we come into help.
What happens to this service if I move jobs?
If you leave your employer, they will no longer pay for this service for you. However, you can always choose to pay for it yourself. It is less than the price of a coffee, just click here to let us know that you would like to continue to use the service.
Can I contribute additional funds to my workplace pension beyond the employer's contributions?
You may be able to contribute more to your workplace pension. Please contact you HR department who will be able to help with this.
What is the default investment option, and should I consider it for my pension?
A default fund in a workplace pension is a pre-selected investment option provided by the pension provider for individuals who do not actively choose how their pension contributions are invested.
When an employee joins a workplace pension scheme but doesn't make an active investment choice, their contributions are automatically invested in the default fund.
This choice is not specific to you and it's important for individuals to review the default fund provided by their workplace pension scheme to ensure it aligns with their retirement goals, risk tolerance, and investment preferences. If desired, individuals can usually choose to switch out of the default fund and into alternative investment options offered by the pension scheme.
What happens to my pension investments as I approach retirement age?
It is important to review your pension investments as you approach retirement age you may wish to take a different level of risk with your pension investments. We can help you with this.
How can I track the performance of my pension investments over time?
You will be able to track the performance of your pension on the providers website. You will also be able to see the performance of the individual investments that we recommend through the information that we provide to you.
Do you take into account investment restrictions that I have?
Yes, we have special tools to factor in any investment restrictions that you may have.
Who are Westminster Wealth Management LLP?
Westminster Wealth Management LLP is where AllAdvised started. It is one of the UKs largest Independent Financial Advisers, with over 130 experts managing £2Bn+ in client money. It provides a lot of the expertise and brainpower in ensuring that you are always receiving the best quality and most up-to-date, regulated financial advice. It provides a vast pool of knowledge and assistance for you, should you require advice in other areas.