Just Group plc

For financial advisers only, not for consumers. Do you have clients approaching or in-retirement using drawdown SIPP portfolios? A growing community of advisers and professional investment managers are considering wealth decumulation differently from accumulation by taking a fresh approach to blending client portfolios. They’re looking at including a new guaranteed income producing asset, because they see how it can help mitigate risks specific to decumulation such as longevity and sequence of returns. It also can help enable clients to achieve higher long-term values and/or higher income. The guaranteed income producing asset is provided by our Secure Lifetime Income solution. To find out how it could help improve the outcomes you deliver to many of your clients, visit our #JustBlends campaign page Follow #JustBlends for more insights on blending better solutions. https://ow.ly/7cEl50TGw0c

For financial advisers only. We’d love to be nominated for The British Later Life Lending Awards 2025 in the Best Underwriter category. For you, our underwriters are just a phone call away, giving the personal service and information needed to get better outcomes for your customers. If you appreciated our support over the year, please nominate us here: https://lnkd.in/ePRDTwrB #EquityRelease #BLLLA25

With over two months of the year still to go, today marks State Pension Shortfall Day – the point in 2024 when a single pensioner on the ‘minimum’ of the PLSA Retirement Living Standards would have exhausted the full new State Pension (£11,542 in 2024-2025) and be reliant on private pension income or other savings to bridge the gap. The State Pension remains a fundamental building block of retirees’ annual retirement income but for many people this level of income will not provide the resources to sustain the kind of retirement they need. People have an aversion to long-term planning and find it easier to focus on near term events, but we need to make it simpler for them to see the consequences of how their saving habits can support them in later life. Pension adequacy is a topic growing in importance. Find out more here: https://lnkd.in/eysb7xJy

For financial advisers only, not for consumers. Meet John, age 65, he needs £13,300 per annum inflation adjusted income from his £380,000 portfolio and to maximise legacy. John is one of a series of client scenarios that illustrate how using a guaranteed income producing asset could optimise their drawdown SIPP portfolio. See how, compared to a traditional bond-equity asset allocation, using this asset could help John achieve his goals whilst continuing to be in line with his ‘balanced’ attitude to risk. We’ve recently updated these scenarios. Read about John and others here. #JustBlends https://ow.ly/zskb50TGtNT

For financial advisers only. Enhance your understanding of vulnerability characteristics and learn about the importance of creating a safe disclosure environment, especially when the signs may not be obvious. We cover ‘hidden vulnerabilities’ and more in the 2024 Consumer Vulnerability in Later Life online training provided by Just with content created by Society of Later Life Advisers. You'll receive 60 minutes CPD on successful completion. https://lnkd.in/e-zzTGNS #FinancialPlanning #Paraplanners #JustVC

We’re excited to announce that we’ve been shortlisted for three awards at the HR Excellence Awards 2024! The HR Excellence Awards celebrate the incredible achievements and innovations in HR across the UK, and we’re delighted to be in the running for Best Internal Communications Strategy, Best People-Focused CEO of the Year and HR Director of the Year. We look forward to attending the awards ceremony in December! #HREX24 #HRExcellence #Finalists #BeBold #BeBrilliant #BeJust 

For financial advisers only, not for consumers. Our energy performance discount is available across the entire Just For You Lifetime Mortgage range. Lifetime mortgage clients whose homes have an Energy Performance Certificate (EPC) rating of C or above could qualify for a lower interest rate. Learn more. #LaterLifeLending https://ow.ly/wszU50TGwfY

For financial advisers only. We’d love to be nominated for The British Later Life Lending Awards 2025 in the Best Underwriter category. For you, our underwriters are just a phone call away, giving the personal service and information needed to get better outcomes for your customers. If you appreciated our support over the year, please nominate us here: https://lnkd.in/ePRDTwrB #EquityRelease #BLLLA25

For financial advisers only, not for consumers. We’ve now refreshed our interactive client scenarios. Discover how clients approaching or in-retirement like John, Geoff, Cynthia and Peter achieve their retirement goals by integrating a guaranteed income producing asset into their SIPP. Explore the updated scenarios to see how a blend of guaranteed income producing asset alongside traditional assets could boost portfolio performance, delivering higher long-term values and/or income. Dive into our interactive scenarios today and discover the power of #JustBlends. https://ow.ly/jFUr50TGtAf

For financial advisers only. Navigating the long-term care system is complex, but you can guide your clients through it. Learn the key steps, state benefits, and funding options by joining this webinar on 24 October. Gain the knowledge you need. Sign up today. https://lnkd.in/dfkHcCsh My Care Consultant #FinancialPlanning #VulnerabilityMatters #CareAdvice