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We’re one of the UK’s leading providers of specialist financial services solutions, completely focused on meeting the needs of people thinking about, approaching, or in retirement.
We have a strong social purpose - a beacon within financial services. We provide products and services that help our customers achieve a better later life and believe that financial intermediaries are best placed to help people with the choices they need to make to achieve this.
There’s more choice than ever for clients who are approaching retirement or already retired. We recognise that as a financial intermediary, you are the architect of your clients’ retirement plans. As the expert, you’re able to consider alternatives and recommend a product mix that provides secure and flexible income to last a lifetime. As a retirement specialist provider, we'll support you with dependable, first-class service.
To find out more about our Outstanding service, please click here.
| Product | To arrange a quote |
| Guaranteed Income for Life (provided by a Pension Annuity or Secure Lifetime Income) |
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| Lifetime Mortgages |
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| Care Plans |
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| HUB Referral Solutions |
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| Your dedicated point of contact |
Customer vulnerability continues to be a priority for the FCA. It's a focus for the Consumer Duty which calls for the review of policies and processes that support clients in vulnerable circumstances. Learn more.
A guaranteed income producing asset that could optimise drawdown portfolio outcomes when included within the SIPP. Using elements of this powerful asset alongside other assets, a more robust portfolio can be created, which could enable higher long-term portfolio values and/or higher income.
Constructing portfolios using this asset could also help to mitigate risks prevalent in the decumulation phase, such as sequencing risk and longevity risk, and help to evidence foreseeable harm has been considered in the advice process. Find out more.
Click to book a consultation or find out more on our blended solutions page.
We offer our off-platform, individually underwritten Pension Annuity, a guaranteed income for life solution. We underwrite using the personal lifestyle and medical information provided to offer a personalised rate based on your client’s individual circumstances. There’s also a range of options that can be selected at outset to help protect the value of their pension savings, and provide for their loved ones after they die. It’s not affected by any future changes in interest rates or by stock market volatility.
Click to find out more or get a quote.
Helping your clients release tax-free cash from their homes
We know your clients choose lifetime mortgages because they have important lifestyle choices or challenges that they want help to finance. The Just For You Lifetime Mortgage means you can deliver a tailored solution for each of them; a lifetime mortgage as unique as they are. Read our LTM at a glance and learn more here.
By providing financial certainty, and coupled with the right advice, care funding plans can play a major role in reducing the worries that older people and their families may face. In exchange for a one-off payment, our care plans provide a guaranteed income for life. This can help safeguard your clients against running out of money and, importantly, not being able to afford to pay for their care needs in the future.
Read our 2023 social care report or learn more here.
We underwrite on the details provided; this includes personal information such as postcode, height and weight, marital status, lifestyle factors through to medical conditions. All these factors contribute to providing a personalised rate based on each client's individual circumstances.
Your clients could achieve more retirement income by using our individual underwriting. You can read more about this here.
HUB Referral Solutions is a referral service for financial intermediaries, provided by HUB Financial Solutions – part of Just Group. Now you can support a wider range of clients by giving them access to specialist advice. Find out more.
Just is a trading name of Just Retirement Limited, Just Retirement Money Limited and Partnership Life Assurance Company Limited which are subsidiary companies of Just Group plc. For more details about the Just Group please visit: www.justgroupplc.co.uk.
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Paradigm Consulting is a Member of the Association of Professional Compliance Consultants and also the Consumer Duty Alliance.
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Paradigm Consulting is a trading name of Paradigm Partners Ltd
Office address: Paradigm Partners Ltd, Paradigm House, Brooke Court, Wilmslow, Cheshire, SK9 3ND
Paradigm Partners Ltd is registered in England and Wales. No.09902499. Registered Office: As above