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Why choose LV= for DFM?

Our market pedigree

We’ve been active in the DFM market for over 16 years, and have built up a wealth of experience in that time. We support advisers wishing to outsource investment recommendation process by delegating investment management to a discretionary manager.

We have a carefully selected panel of 8 top DFMs – and with our purchasing power, we can offer excellent value and often discounted fees from the fund managers.

We have a strong investment governance ethos with a thorough on-boarding process for new DFMs and annual due diligence reviews.

Click here for more details on our due diligence.

Systems and reporting

Our online systems, in particular our automated cashflow system means that income can be paid to the client without delay – removing an often onerous admin task for your business, and potential concern for the client.

To support your advice process, both we and the DFMs provide robust reporting processes, so you’ll always be up to date with the value of a client's pension fund and the underlying investment performance.

Our life and pension proposition has won five stars in the Financial Adviser Service Awards for eight consecutive years, so you can be sure your client pension fund will be in safe hands.

A flexible pension wrapper

Discretionary Fund Management forms part of the tax efficient LV= Flexible Transitions Account pension wrapper that has received a five star rating from Moneyfacts for the past four years.

This provides the ability to blend investment options and income solutions within the SIPP, so DFM can form part of a wider investment and product solution.

DFM can be utilised throughout the Accumulation and decumulation process to provide a seamless investment process as clients move through their retirement journey.

Discretionary Fund Management with LV= - Benefits for clients and advisers

Benefits for advisers

Using a Discretionary Fund Manager means that you effectively de-risk your investment decision making process by outsourcing it to an experienced fund manager.

This frees up time for you to focus on more productive parts of your business, and can also save the expense of investment research and advice processes.

The reporting structures of both the DFM and LV= can help reduce your own reporting burden. It also improves the quality of your reporting processes, keeping you in control and up to date with client investments and plans.

Benefits for clients

Rather than a one-size-fits-all approach, clients are treated individually with their own bespoke plan. The plan is put together by the DFM after a thorough consultation process in which the client is fully involved.

An investment portfolio is put together to match clients risk rating, capacity for loss and changing plans and circumstances. After the first meeting, there will be annual reviews to ensure the client always knows what’s going on and that their plans are on track.

As they move into retirement their investment requirements could become more complex – requiring an element of liquidity alongside continued investment growth – discretionary management can support this process.

Summary of Benefits

Clients

  • A bespoke investment strategy designed to match their plans and needs
  • Access to their own personal fund manager
  • A portfolio that matches their risk rating, capacity for loss and changing needs throughout their retirement journey
  • Regular reviews to ensure plans are on track

Advisers

  • De-risking of your investment decision process
  • A robust cashflow management process
  • Saves time for you to focus on more productive activity
  • Your own virtual investment team, accessing research, reporting and fund management experience
  • A robust reporting process to support your advice process
  • A seat at the table – you control the client/adviser/fund manager relationship

LV= Value

A range of low cost / high
quality investment funds including market leading passive and risk rated
solutions.


More on LV= Value

LV= Secure

Options to provide
protection against market
fluctuation and provide
guaranteed income in
retirement.


More on LV= Secure

LV= Choice

Speak to your usual LV=
sales contact for more investment options.





FOR UK FINANCIAL ADVISERS ONLY
LV=, County Gates, Bournemouth, BH1 2NF, UK