Whether your clients are looking for income today or in the future, they should consider their needs as early as possible to allow time for you to put the right plan in place.

We have a selection of products and services that will help build the right portfolio to generate the income needed, whatever stage of life your clients may be at.

By using a multi-product approach, you can access your clients’ money at the right time and in the most tax-efficient manner.


Helping you and your clients achieve tax-efficient ways of building and enjoying their retirement wealth.

For most people, a pension should form the foundation of their retirement planning. However, it’s often more important to consider your clients’ portfolio as a whole when it comes to taking income. It can be helpful to use alternative products to provide income in the early stages of retirement. This approach will help to include considerations such as inheritance tax planning or other tax-planning options.

Income service

A bespoke solution to reflect your clients’ personal requirements and circumstances.

Our income service is a bespoke solution blending the best aspects of products most suited to your clients. We’ll help you consider individual strategies that directly reflect your clients’ personal requirements for income and their own personal tax situations. This method can be used to help clients with trusts, charity funding, medical or personal injury payments and retirement.

Discretionary fund management

We don’t believe in a ‘one size fits all’ approach. Our services are designed with the specific requirements of you and your clients in mind, with the overall goal of giving you both peace of mind.

An investment portfolio can help your clients set and meet realistic financial goals, whatever their stage in life. Our experienced portfolio managers have support from our teams of analysts and investment managers. Their key knowledge of tax and regulation also enables them to take a holistic view of your clients’ finances.


We provide a range of fund solutions to meet your clients’ capital growth and income requirements, drawing on the research and investment expertise of our award-winning teams. We also offer fund solutions to wholesale and institutional clients through Sanlam Investments.

Portal products

The Sanlam Portal service enables you to access a comprehensive range of investment vehicles designed to meet your clients’ personal circumstances and requirements. Some have the potential to enhance the tax efficiency of their investment portfolios.  It offers online access to our General Investment Account (GIA), Individual Savings Account (ISA), Personal Pension (PP) and Onshore Bond products.

Discretionary fund management
We create diversified investment portfolios that are tailored to each of your clients and manage them in line with your instructions.
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Your clients can stay in control and invest in a wide range of asset classes, including direct investments and funds, through our SIPP account.
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The value of investments and any income from them can fall and you may get back less than you invested.