In a fast-moving market where clients expect quicker insights and real time updates, managing pensions and investments across lots of providers can slow everything down. By bringing your clients’ assets together with us, you get one simple, joined‑up view of their position. That means easier reviews, smoother conversations and more time to focus on what really matters.
We’ve pulled together all the materials you need in our consolidation toolkit, whether you’re helping one client or using our platform switch service to move a larger group.
Why clients are choosing to consolidate
According to our latest research, Investors are telling us they want simplicity.1 The biggest motivations for consolidating are:
Getting a clearer view of retirement
Making money management simpler
Paying lower charges
When clients bring their assets together on ARC, you could benefit from:
A clearer picture of their savings, helping them understand progress and feel more confident in your review conversations.
Better value through consolidation – by holding more of their assets on ARC, clients could benefit from a lower annual charge rate across their products.
Supports intergenerational planning, with a single view of assets that could help advisers and personal representatives manage estate valuations and IHT payments more efficiently.
Paperless, straightforward transfers, with no need for transfer authorities for cash and re‑registration transfers through Origo and Equisoft:
- Cash transfers: SIPP, Junior SIPP, ISA, Junior ISA
- Re‑registration: SIPP, Junior SIPP, ISA, Junior ISA, GIA
More consistent, easy‑to‑follow reporting, helping clients stay engaged and motivated.
Less day‑to‑day admin, freeing up more of your time for higher‑value advice and deeper client relationships.
Access to our Junior ISA and Junior SIPP, with a 0% annual charge until the child turns 18 – a simple way to help families save for the future. Charges may vary in the future. Capital at risk.
Reduced timing risk through in‑specie re‑registration where we offer the same fund range, so clients stay invested while their assets move.
Considerations
Consolidation may not be the best option for all clients. Clients should ensure they are comfortable with any investment decisions they make, as they may lose features, protections, guarantees or other benefits when transferring. The value of pensions or investments can fall as well as rise and clients may get back less than invested.
Our consolidation tools can help you identify key opportunities, get in touch with your clients and find how they could potentially reduce charges.
Spot opportunities
Use Report Zone to to identify where consolidation could benefit clients, including opportunities to take advantage of our price caps. Our ARC Report Zone guide or the Aegon Platform Report Zone can help you choose the right report.
Tailor your client communications
Access sample text to help you explain consolidation and re registration clearly and confidently, whatever life stage your client is in.
Identify ways to reduce charges
Read our ARC charges guide or Aegon Platform annual charge guide for more information about potentially reducing your clients' overall charges.
Considerations
Consolidation may not be the best option for all clients. Clients should ensure they are comfortable with any investment decisions they make, as they may lose features, protections, guarantees or other benefits when transferring. The value of pensions or investments can fall as well as rise and clients may get back less than invested.
Have a look through our DB support material to help you with the suitability assessment and important areas to consider before deciding if a transfer may be suitable for your clients.
Considerations
You should only recommend a DB transfer after careful consideration, following a full and thorough review by a qualified pension transfer specialist adviser. The advice process must consider the client’s circumstances, long-term financial objectives and the advantages and disadvantages of transferring in order to give your client enough information to make an informed decision. It will also include your assessment of the suitability of the receiving scheme, the investment choices, benefits, and options that are available.
Consolidation may not be the best option for all clients. Clients should ensure they are comfortable with any investment decisions they make, as they may lose features, protections, guarantees or other benefits when transferring. The value of pensions or investments can fall as well as rise and clients may get back less than invested.
What's next?
If you still need help, speak to your usual Aegon contact, or log in to ARC or the Aegon Platform to get started.
Moving clients in bulk?
Working across several platforms can eat up valuable time and resource. But switching your clients’ platforms individually could cost you more time, and even money. Our platform switch service is designed to help streamline your business, with your clients’ needs at the heart of the process - and our team supporting you throughout the journey.
1Data collected from 12 to 26 March 2026 involving 459 respondents