Discover our range of client types

Helping an individual client maximise his savings

John, a client with £500,000 in savings, prefers to keep his funds in cash rather than opting for riskier investments. He is seeking to explore avenues for earning higher interest and building a solid financial foundation for his family.

John’s adviser leverages Insignis Cash to secure optimal deals

Guiding John through the available options, his adviser introduces him to the Insignis Cash platform. By opening a personal account, John gets access to a diverse range of top market rates – from easy access to fixed-term savings products across 45+ banks and building societies. He can efficiently manage his cash savings, selecting preferred rates and terms to meet his liquidity needs.

The adviser has full oversight over John’s assets at all times, fostering transparency and a productive client-adviser relationship. With John’s consent, the adviser can even place funds on his behalf.

The “family linking” option is another benefit that aids John in supporting his family. His wife and two children (both aged over 18) open their own personal Insignis Cash accounts. Insignis Cash treats their funds as a collective total and applies a service fee accordingly, which may result in a lower overall fee.

How advisers can expand and analyse SIPP options for their clients

In response to clients looking to plan for the future, adviser Jack explores ways to efficiently broaden the range of SIPP products he can offer. Jack comes across Insignis Cash which serves as a gateway to SIPPs from a wide range of pension providers.

How Jack makes the most of Insignis Cash

Contacting Insignis Cash, Jack realises that several of the providers he works with are already on the platform. Using the Insignis Cash client portal gives him scope to manage them all from one screen, and analyse the products on offer accordingly. Jack can get a swift and simple snapshot of the SIPP market, and an easy means of ensuring that he can advise his clients on fair value. He can also use the platform to take advantage of products from other pension providers, which helps him achieve his initial aim of expanding his SIPP offering to clients.

Jack saves time during his working day by interacting with, and evaluating, various SIPP providers through the Insignis Cash platform. He is better able to give informed advice to clients looking for pension schemes, which equips him to retain them (and attract new ones). His clients receive the benefit of fair value advice and a wider range of SIPP options, which mean they can select the right product for them – and look forward to a well-funded retirement.

More money means more teachers: helping schools earn interest

Multi-academy trust Oswald House has raised a £2 million reserve fund, but the board of trustees is concerned that the fund is at risk if their chosen bank were to collapse. Their external financial adviser suggests leveraging funds for higher returns. The trust sees an opportunity to fund new educational equipment and appoint more teachers simply from the increased interest. As such the adviser aims to identify top interest rates on the market, and find an efficient way to diversify and manage their funds.

How Oswald House’s adviser uses Insignis Cash to find the best deal

The trust’s adviser introduces them to Insignis Cash, and helps them to create an account with us. Using our platform gives the trustees an overview of available rates and terms all on one screen. This helps them to compare products, calculate their potential return, and plan their future procurement and recruitment strategy accordingly. Moreover, the adviser is able to help them diversify the funds between several investment grade institutions – which reassures trustees that the cash is safe – and subsequently have full oversight over the holdings. This helps the adviser to build a closer long-term working relationship with the trust.

With the interest earned on Oswald House’s savings, schools affiliated with the trust can hire more teachers and teaching assistants. This lifts staff morale, improves the learning experience of pupils and increases parent satisfaction. The trust’s finance director and their external adviser continue to collaborate to deliver high returns and keep Oswald House funding secure. This maintains a positive reputation for all parties.

Empowering an attorney in difficult circumstances

Martha has recently been appointed attorney for her sister, who suffers from a long-term illness and believes she may not be able to manage her own finances in the future. Her financial adviser helps her to create a dedicated bank account for these funds, but advises Martha that they could be earning far more interest, and that they would not be fully eligible for FSCS protection. As such, Martha asks her financial adviser to help her build her sister’s fund for the future and safeguard

How Martha’s adviser uses Insignis Cash to find the best deal

The adviser introduces Martha to Insignis Cash, and helps her create a Power of Attorney account on the platform. Once the process is complete, Martha finds that she can access relevant products from a variety of financial institutions, and diversify her sister’s funds without having to complete the lengthy approval with each bank. With much of the logistical work averted, Martha and her adviser can concentrate on growing and safeguarding the fund. The adviser has full visibility over the portfolio, making it far simpler to work with Martha to identify good rates.

Martha’s sister benefits from the top rates offered via Insignis Cash, which earn her higher interest, and simple diversification that ensure her savings are eligible for FSCS protection. Martha herself finds that the burden of being Power of Attorney is lessened, thanks to the simple gateway that Insignis Cash provides to relevant products. The adviser benefits from an opportunity to build an efficient working relationship with Martha, through using the platform to analyse available products. They can also support a family in difficult circumstances with valuable advice, and thus build their own professional reputation.