This FAQ section is designed to give financial advisers clear, practical guidance on working with IFGL Pensions. From onboarding and dealing instructions to withdrawals and technical support, you’ll find straightforward answers to help you navigate processes efficiently and deliver positive outcomes for your clients.
If you require further detail you can contact us via phone or email. Our team is always available to provide direct support.
Who is IFGL Pensions?
IFGL Pensions is a specialist SIPP & SSAS provider and part of IFGL, focused on delivering flexible, UK and internationally relevant pension solutions. We work exclusively with financial advisers, providing robust structures, long-term stability and practical support to help you deliver effective retirement outcomes for your clients.
How do I onboard a new client?
Client onboarding is straightforward and adviser-led. You submit the relevant product application literature and supporting documentation through the agreed onboarding process, ensuring all regulatory and due diligence requirements are met. Once received, our operations team validates the submission and confirms acceptance keeping momentum high and friction low. All documentation should be submitted to pensions@ifglpensions.com
How do I submit a dealing instruction for a client?
- Where an Ardan International Portfolio is held, all trades should be placed directly on the Ardan International Platform.
- Where any other investment product is held, please send all dealing instructions to the IFGL Pensions Dealing Team at Dealing@ifglpensions.com
When we receive any request, we will carry out a risk assessment to ensure all assets requested can be held within the SIPP in accordance with our investment guidelines. If the instruction is approved, we will then authorise on the Ardan International Platform or send the dealing instruction to the relevant investment house to be executed. If we are unable to approve the trade, we will email you and explain why we have rejected the instruction.
Please read our Investment Guidelines for more details about our process and acceptance criteria.
What is the ‘Fair Value Cap’?
The Fair Value Cap encapsulates all of the charging within the IFGL Pensions SIPP – IFGL Pensions Establishment and Annual Management Fees, Underlying Product Provider Fees, Ongoing Investment Adviser Fees and Underlying Asset Fees (OCF, TER). The Fair Value Cap of 3.5% in Y1 and 3.3% in Y2 can’t be exceeded.
We have built a Fair Value Calculator which allow advisers and clients to pre-check the likely acceptability of a dealing instruction. The calculator includes details of all assets already approved for use within our SIPPs, as well as letting you check the overall impact of costs borne by customers to ensure that they adhere to our fair value cap.
How do I submit a withdrawal request for a client?
Withdrawal requests are submitted using a Benefit Election Form completed in line with the client’s product terms and regulatory requirements. Once received, requests are processed efficiently, subject to validation and any applicable checks. Please be advised there may be a requirement for additional documentation after submission, for example Risk Warnings. All documentation should be submitted to pensions@ifglpensions.com.
How can I get support with a pensions technical question?
You have direct access to pensions technical support through IFGL Pensions. Whether it’s tax considerations, benefit options or product mechanics, our specialists provide clear, commercially grounded guidance so you can advise with confidence and stay on the front foot. Please contact technical@ifglpensions.com for more information.