Centralised Retirement Proposition Contacts

The noise around Centralised Retirement Propositions (CRPs) has grown significantly since the FCA’s Thematic Review of Retirement Income Advice (TR24/1). Much of the industry conversation focuses on solutions, products, funds, tools, and “off-the-shelf” propositions.

But the FCA expects something far more fundamental.

A robust CRP starts with the foundation, not the product. It must clearly distinguish between accumulation (building wealth) and decumulation (drawing a sustainable income), with evidence-based processes, governance, documentation, and client-outcome monitoring at its core.

To help firms access the right support, I have listed below several individuals and organisations who can assist with the foundational elements of CRP development. This is not an endorsement, but an acknowledgement that firms benefit from having choice. Money Wise UK provides a full suite of templates and frameworks, but I am not the only person who can help, and a healthy marketplace is good for quality and good for clients.

Over time, I will continue expanding this list.

Money Wise UK® (George Ladds)

CRP® Frameworks, Templates & Consultancy

Money Wise UK designs and supplies templates, processes and governance frameworks fully aligned to the FCA’s thematic review and Consumer Duty expectations. These materials are used by multiple IFA firms and an independent research provider, covering:

  • Retirement income framework design
  • Client segmentation and risk-mapping
  • Withdrawal Policy Statements
  • Decumulation sustainability monitoring
  • Firm-wide governance documentation
  • Evidence-based investment and cashflow alignment

Everything is built to be practical, operational, and easy to embed into a firm’s real-world advice process, not just a compliance document. Templates and guides are available to purchase directly on this website.

Beyond Paraplanning (Phillip Williams)

CRP Development, Operational Alignment & Governance Design

Beyond Paraplanning helps advisory firms develop CRPs that genuinely work day-to-day, rather than becoming another “tick-box compliance” exercise.

Key elements of their approach include:

1. Full Advice Model Mapping

Documenting and understanding the firm’s existing processes across discovery, planning, recommendation, implementation and review, ensuring the CRP fits the real workflow rather than forcing a new one.

2. Defining Investment & Retirement Frameworks

Creating clear, evidence-based frameworks for:

  • Investment philosophy
  • Decumulation strategy (income vs capital withdrawals)
  • Cashflow assumptions
  • Risk mapping and behavioural factors
  • Withdrawal sustainability and monitoring
  • PROD / Consumer Duty alignment

3. Usability & Operational Clarity

A CRP is only effective if advisers and paraplanners can actually use it. Beyond Paraplanning focuses heavily on:

  • Plain-English documentation
  • Clean templates
  • Repeatable processes
  • Built-in governance that is easy to maintain

4. FCA-Aligned, Evidence-Based Output

Their work is anchored to the FCA’s key themes:

  • Evidencing client suitability
  • Clear segmentation of decumulation clients
  • Robust risk profiling and capacity-for-loss reasoning
  • Value assessments
  • Withdrawal rates and sustainability evidence
  • Ongoing client outcome monitoring

The emphasis is always on helping firms deliver clarity, consistency, and defensibility. Regulatory expectations only matter if firms can implement them—and that is where Beyond Paraplanning add real value.

Contact: https://beyondparaplanning.co.uk/

Why This Matters

The FCA has been unambiguous: future regulatory scrutiny will focus heavily on retirement income advice and decumulation governance.

Firms that treat a CRP as a “nice-to-have” or a compliance checkbox will struggle. Those who build:

  • strong foundations
  • clear documentation
  • consistent workflows
  • evidence-based processes
  • and ongoing governance

will not only meet expectations, they will deliver better outcomes and a better client experience.

Whether you use Money Wise UK, Beyond Paraplanning, or another specialist, the priority is simple:

Build a Centralised Retirement Proposition that works in practice, not just on paper.

A good CRP protects your clients.
A good CRP protects your firm.
And a good CRP becomes the backbone of high-quality retirement income advice for years to come.