We have pre-registered over 7,000 Adviser firms and you can activate your Username and Password using our online Adviser Registration facility. If your firm has not been pre-registered then you can complete our Adviser Registration Form.

You will be given a Username and Password which will allow you full access to our website. We will then contact your firm's head office to confirm that you have registered, to provide them with a copy of our Adviser Handshake and to request bank account details for the payment of your Adviser Remuneration.

Yes. You are able to register as many of your staff as you wish and you have control over the level of access given to each member of staff (please see 'Are There Different Security Levels For Different Advisers Within One Firm?'.

You will get access to a number of powerful features, all designed to assist you when advising your SIPP clients:

• Online application process for new clients
• Online additional contribution process
• Request/download marketing literature online
• Industry renowned technical bulletins
• Online illustrations including:
• SIPP projections
• Income withdrawal projections (including critical yields)
• Post retirement illustrations
• Online dealing area (Advisory investment option only)
• Online list of all of your SIPPcentre clients, including:
• Cash balance held with SIPPcentre
• Cash balance held with our panel of Investment Partners
• Panel Investment Partner portfolio valuations
• Off panel investment valuations
• Details of regular contributions
• Details of income withdrawal payments
• Transaction history
• Ability to process the following online:
• Request one off or alter existing income withdrawal payments
• Transfer cash between SIPPcentre and Investment Partner
• Update client details
• Update your details

You can update your details online. Any changes, once verified, will be processed at the first available opportunity.

Whilst clients will be allocated to you individually as an Adviser, the ultimate ownership of any client rests with your firm.

You must notify us immediately if you change jobs and your Username and Password will be suspended. You are of course free to register under your new employer. To transfer the agency of any client, you will need to obtain a letter of authority from that client.

There are three security access levels which allow full access to our website (including access to the online dealing area for Advisory accounts).

Level 1 (default) allows access to all clients of the individual Adviser.

Level 2 allows access to all clients of all Advisers within a branch/office.

Level 3 allows access to all clients of all Advisers within a firm (i.e. across a number of branches).

If you require security access level 2 or 3 then please write to us on company headed notepaper. We reserve the right to verify any such request with your firm's head office.

Co-branding is an optional extra for registered Advisers at no cost. This allows you to co-brand our SIPPcentre marketing literature with your firm's logo. You can also reinforce your brand by having your logo appear on our website when your Advisers and clients are logged in. Send us your logo as a high quality 220 pixels wide x 80 pixels high jpeg file to enquiry@sippcentre.co.uk and we will do the rest.

It is remuneration paid directly from the SIPP cash account based upon the aggregate value of the SIPP assets.

We offer a variety of comprehensive and flexible Adviser Remuneration options.

You can express your initial Adviser Remuneration as a fixed amount or a percentage of the funds received (up to a maximum of 3% plus VAT if applicable). You can specify different levels of Adviser Remuneration for single contributions, regular contributions and transfer values.

Your renewal Adviser Remuneration can also be paid on a monthly basis, this expressed as a fixed fee or as a percentage of the fund (up to a maximum of 1% per annum plus VAT if applicable).

Where clients are going into immediate income withdrawal, under the unsecured pension option your Adviser Remuneration will not be deducted or paid until any lump sum benefit has been paid. Please note however that the amount of your Adviser Remuneration is calculated prior to any deduction of the lump sum benefit. Lump sum for this purpose includes pension commencement lump sum, lifetime allowance excess lump sum and any associated tax charges.

You can arrange for your Adviser Remuneration to be paid with or without VAT.

Please note that we cannot provide any advice as to whether or not you should add VAT to your Adviser Remuneration.

You may also be able to receive initial and/or renewal commission relating to the chosen investment option. It is your responsibility to agree and disclose to your client, all such commission and Adviser Remuneration in line with your regulatory requirements.

Adviser Remuneration can be amended in writing by your client at any time.

This depends on the investment option you choose. The details below apply only to the Advisory investment option.

You can specify initial commission on unit trust or OEIC purchases between 0% and 3%. Trail commission is also payable at up to 0.5% per annum, depending upon the fund chosen.

It is also possible for you to rebate renewal commission payable by the fund managers into your client's SIPP. You will need to complete a Renewal Commission Rebate Form which is available from the Literature section of our website.

Details of the funds and terms can be found in the Funds List available from the Literature section of our website.

Please note that it is possible to receive both explicit Adviser Remuneration from the SIPP cash account and commission in respect of unit trusts/OEICS from the Advisory investment option. It is your responsibility to ensure that the client is clear as to the level of Adviser Remuneration and/or commission being received by you.

Yes. The specific details will vary depending on investment type and it is your responsibility to arrange this directly with the investment manager.

Initial Adviser Remuneration is payable at the end of every week.

Renewal Adviser Remuneration is normally payable within 10 working days of the end of each calendar month.

One off invoices are payable at the end of every week in line with Initial Adviser Remuneration.

Adviser Remuneration is payable by BACS.

Please note it is your responsibility to ensure there is sufficient liquidity within the SIPP cash account to pay your Adviser Remuneration.

Initial and trail commission on unit trusts and OEICS (Advisory investment option only).

Applications can be submitted online or offline. Applications can only be submitted by a registered Adviser. You must always ensure that your client receives a copy of the SIPPcentre Key Features, the relevant Investment Fact Sheet, the Terms and Conditions and is advised where they can find the Scheme Trust Deed and Rules.

In an effort to keep our costs and hence your clients' charges to a minimum, our marketing literature will be made available as a pdf file, which can be downloaded from the website or e-mailed to you.

Yes. This facility is only available to registered Advisers and is accessed via the website.

We will use electronic means to check the client's identity and may if necessary ask you for additional information.

This facility enables you to buy/sell investments on your client's behalf using SIPPcentre's fund supermarket.

There are 2 alternatives:

1. Select one or more of the alternative fund supermarkets to enable you to manage the SIPP investments on your client's behalf.
2. Appoint one or more discretionary managers from our panel to manage the SIPP investments on an advisory or discretionary basis for your client.

Your client buys/sells investments on an execution only basis.

We establish a separate cash account for each SIPP and this is held with Bank of Scotland. This is referred to as the SIPP cash account.

As soon as cleared funds have been received by us and an investment account has been opened with one or more of our Investment Partners, you can transfer funds to or from the SIPP cash account using our online Cash Movement facility. You need to ensure that sufficient liquidity is kept in the SIPP cash account to pay benefits, our fees and your Adviser Remuneration.

Investment Partner includes the Advisory and Execution-Only investment options although for the latter the member performs this function.

Cash Movement

This depends on which of our panel of investment partner options you choose, or whether you decide to purchase off panel investments:-

You buy/sell investments online via our website or over the phone.

This will depend upon which Investment Partner(s) you choose. Either you or the Client will deal directly with the chosen Investment Partner(s).

The client buys/sells investments online or over the phone, dealing directly with our Investment Partner.

The wide variety of options available means that it is not practical to cover all options in our FAQs. Our User Guides provide further information and you can also e-mail our Adviser Support Team who will be able to answer any queries.

Yes. You have the flexibility to place SIPP funds with any combination of investment partners under the Advisory, Investment Partner and Execution Only options.

Investment Options

Yes. You may invest funds in a wide range of investments including:

• Trustee Investment Plans (single and regular premiums)
• Off panel discretionary/advisory fund managers
• Off panel execution only stockbrokers
• Other investment platforms e.g. fund supermarkets
• External bank accounts and fixed term deposits
• UK commercial property including borrowing where required.

You can check the acceptability of Off Panel investments by contacting our Adviser Support Team.

Investments

We are willing to consider extending the number of Investment Partners available via SIPPcentre. Please contact our Adviser Support Team for further details.

If this is not possible you may be able to place funds with the investment manager using our Off Panel investment option.

Investment Options

Whilst we will of course assist wherever possible when we are receiving a pension transfer, we will rely on you to co-ordinate and chase payment of the transfer value.

The only exception to this is for in-specie transfers for which, due to their rather more complex nature, we will take a more direct role in co-ordinating the transfer.

We will not accept liability for any delay in paying a transfer value to a client's SIPP.

Yes.

Yes. Any investments transferred in-specie must be an acceptable investment for the chosen investment option.

If you have any doubts, please e-mail a list of assets you wish to transfer with details of your preferred investment option and we will advise you further.

SIPPcentre is a division of A J Bell Management Limited, exclusively available to Financial Advisers. A J Bell Management Limited launched the UK's first online SIPP in October 2000. A J Bell Management Limited, is the Scheme Administrator responsible for the day-to-day management and administration of the SIPP.

SIPPcentre is a division of A J Bell Management Limited. A J Bell Management Limited is authorised and regulated by the Financial Services Authority.

A J Bell Management Limited is part of the A J Bell Group, one of the UK's leading SIPP administrators with assets under trusteeship exceeding £5bn.

No, we do not provide any financial or investment advice whatsoever.

Yes, our Adviser Support Team can be contacted on 0870 758 8859.

Please note that our telephone lines are often very busy and it would help us if enquiries are submitted by e-mail to our Adviser Support Team wherever possible.

Further product details can be found in our product literature or on our website.