ATEB Template
Start with the ATEB template named ‘Personal Pension Template’. You will find this in the ‘Sample Templates’ tab on the ‘Templates’ page. The template has been pre-populated with basic information that is not client specific (see table below).
Firm Specific Template
Create your own version of the template using the ‘Duplicate Template’ button. Give it a meaningful name. Modify the template to make it firm specific, for example by adding company and/or adviser details. Consider the comments in the table below under the column ‘to be considered’ when modifying or creating templates based on the ATEB version.
Test Template
You may not get the template right first time; therefore, once the template is created, use it to generate a client specific test report. Based on the generated report, you may need to amend the template further. Repeat this testing process until you have a template which enables full client specific personalisation but contains common standard content. The time spent here will save hours going forward.
Important Notes
Prior to use, your template should be checked by your compliance department or compliance consultant.
This template is provided only as a guide. ATEB IT Solutions Ltd does not accept legal or regulatory responsibility for the contents of the template.
| ATEB Suitability Section | ATEB template defaults | To be considered |
| Getting Started | ||
| Report Details | Defaulted to individual (single) client | Amend as required |
| Report Title: ‘Retirement Planning Report’ | Amend as required | |
| Advice Area: ‘Retirement Advice’ | ||
| Covering Letter: defaulted to ‘No’ | Amend as required | |
| Remainder of section blank to allow for case-by-case personalisation | Consider whether more fields can be added to the template | |
| Introduction to Advice | ||
Sections included:
| Amend as necessary | |
| About your Firm | Assumed ‘focussed independent advice’ provided | Amend as necessary |
| Background to Our Meeting | Assumed new client to firm | Amend as necessary |
| Assumed client is not elderly or vulnerable | Amend as necessary | |
| Assumed that disclosure documentation has previously been provided or enclosed with the report | Amend as necessary | |
| No disclosure documentation pre-ticked | Do not pre-populate and enter on a case by case basis | |
| Current Personal & Financial Circumstances | Personalised Paragraph about Current Personal and Financial Circumstances pre-ticked | Consider if further sections required as standard |
| Agreed objectives and priorities | A comprehensive review assumed (looking at all areas of potential need). | Amend as necessary |
| Objective used: ‘Save on a regular basis to provide for the future’ and ‘You are not investing for anything specific or any particular event.’ | Amend as necessary | |
| Attitude to Investment Risk | Default introduction to risk paragraph pre-ticked | Consider whether to use an in-house standard paragraph |
| Default ATR category selected | To be entered on a case by case basis | |
| Default introduction to capacity for loss pre-selected | Consider whether to use an in-house standard paragraph | |
| Remainder of section blank to allow for case-by-case personalisation | Consider whether more fields can be added to the template | |
| Retirement Advice | ||
| Foreword to Advice | Blank to allow for case-by-case personalisation | Consider whether any default text is appropriate |
| Annual Allowance and Carry Forward Considerations | Default to question: Include Annual Allowance and Carry Forward Considerations section? set to ‘No’ | Consider whether a default of ‘Yes’ appropriate and whether any further standardisation required |
| At Retirement Alternatives | Blank | |
| Recommended Plan | ||
| Plan Builder | Set to New Plan | |
| Provider/Platform: Blank | To be entered on a case by case basis | |
| Product: Personal Pension | ||
| Remaining fields blank | Consider if further sections are required for the template | |
| Plan Details | Actions applicable to this plan set to ‘Regular Contribution’ and ‘Source of Contribution’ (Personal Pension) as default. Remaining fields left blank to allow for case-by-case personalisation | Amend as necessary |
| Policy Cancellation blank | Consider if default entry to be used for template; or to be completed on a case-by-case basis | |
| Plan Features | Default options used | Amend as necessary |
| Recommendation Reasons | This section left blank to allow for case-by-case personalisation | Consider if further standardisation required for the template |
| Potential Disadvantages | Blank to allow for case-by-case personalisation | Add in all specific potential disadvantages required for the template |
| Situation on Death | Default options used | Amend as necessary |
| Discounted Alternatives | Blank | Consider if any options can be added as standard to the template |
| Further Considerations | Blank | Consider if any options can be added as standard to the template |
| Retirement Plan Charges | Default to question: ‘Do you wish to include a breakdown of charges? set to ‘Yes’ with ongoing ‘Adviser’, ‘Product’ and ‘Fund’ charge rows added to table. | Amend as necessary |
| Investment Strategy Recommendation | Assumes Investment Strategy Recommendation relevant to New plan only | |
| Preferred investment approach set to ‘Select and investment from Content Management’ | Amend as necessary | |
| ‘Include Fund Performance’ defaulted to ‘No’ | Amend as necessary | |
| Remaining section left blank to allow for case-by-case personalisation | Consider if further standardisation required for the template | |
| Planning Ahead | Sections included:
| You may want to include sections as standard |
| Wills | Blank | Consider if any options can be added as standard to the template |
| Powers of Attorney | Blank | Consider if any options can be added as standard to the template |
| Important Information | Sections included:
| You may want to include further sections as standard |
| Cost of Our Services | Blank | Set any default charges applicable across the firm |
| Regular Reviews | Default entries used | |
| It is assumed that a regular review service will be implemented (or is in place) | Amend as necessary | |
| Changes to Your Circumstances | Default text selected | Consider whether this meets your needs or whether amended text or a suitable standard paragraph is required |
| Budget and Affordability | Default text selected | As above |
| Emergency Funds | Default text selected | As above |
| Appendices | Assumes ATEB Glossary of Terms to be included within the report and Attitude to Risk definitions. | |
| Consider whether any customised appendices should be included as standard | ||
| Glossary | Default options selected | Amend as necessary |
| Risk Warnings | Default options selected | Amend as necessary |
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