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A flexible solution
Our award-winning Collective Retirement Account (CRA) lets you futureproof your advice strategies – perfect for those looking for a flexible solution in preparation for pensions coming into scope for inheritance tax on 6 April 2027.
With reliable and flexible access to PCLS and pension income, our CRA sits alongside our other integrated product wrappers, so you can seamlessly move between wrappers to maximise tax efficiency and build your financial plan without compromise.
Why our pension stands out from the crowd
- Supports financial planning in today’s tax landscape.
- Efficient transfer between wrappers held on our platform – money never leaves the platform.
- Manage and align investment portfolios across all wrappers.
- No additional wrapper charges, and benefits from our multi-member discount, Family Linking.
- A fully platform-integrated, flexible plan for life that allows your clients to continue accumulating retirement savings at the same time as taking income.
- Have multiple portfolios in one pension. We give you the flexibility to mix and match so that you can tailor your pension advice to your client’s needs.
- Clients benefit from up to an extra three months of potential investment growth because we add basic rate tax relief and reclaim it back from HMRC when applying personal contributions.
- Choose from nine different income options, including TRIO (tax-efficient regular income options) which provides a source of retirement income that uses the pension commencement lump sum to lower or reduce income tax on payments.
- Choose income payment from days 1 to 28 of each month so your clients enjoy a pension that works around them.
- There is always enough cash to pay your client’s pension income because our platform manages their cash accounts for you by automatically disinvesting.
- Avoid pension payment panic. We successfully deliver almost 100% of pension income payments.
- We’re an established provider of personal pensions, so you and your clients are in safe hands.
- Tools and support throughout the life of the policy.
- Support from our technical team and helpline, regional pension specialists, plus experienced servicing teams.
- The CRA allows your clients to take full advantage of the modern death benefit flexibilities on offer, including beneficiary drawdown with no minimum age of entry, available for a dependant, successor, or nominee.
- Making nominations is important to ensure your client’s wishes are clear.
Why consider pension consolidation to us
- Streamline future estate administration:
- From 6 April 2027 personal representatives will become responsible for reporting and paying any tax due. Dealing with multiple pension providers will add complexity and could become a real headache.
- Achieve effective decumulation strategies with Quilter:
- Future proof your pensions with flexible, reliable income and efficient movement between wrappers.
- Simple movement of the pension commencement lump sum (PCLS) into an IHT-efficient trust to restore IHT efficiency.
It’s easy to transfer business to us
Quilter has been accredited with a Gold Standard award for 2026 from the STAR industry group for both pension and ISA/CIA transfers.
Steps we take to keep you informed:
- Online transfer tracker – access transparent, up-to-date status information.
- Proactive chasing – both automated and manual chasing at regular intervals.
- Dedicated transfer hub phoneline.
- Bespoke service for bulk transfers, with a personal Support Manager and mailbox to track and chase transfers.
Product features
Contributions
Contributions are paid into the uncrystallised sub account.
Feature |
Availability |
|
Minimum contribution |
Invest with as little as a lump/annual sum of £3,600 or £99 regular monthly contribution. |
|
Direct Debit Collection Date |
1st to 28th of the month |
|
Direct Debit Frequency |
Monthly, yearly |
|
Pre-funding of tax relief |
Yes |
|
Immediate Tax Free Cash |
Yes |
|
Who can pay in? |
Individual, employer, third party |
|
How many funds do I have access to? |
Access over 3,000 funds and more than 800 exchange traded investments. |
Transfers in
Transfer of both uncrystallised and crystallised monies will create an uncrystallised sub account (if it does not already exist) and a new crystallised sub account. Each crystallised transfer will create a new separate crystallised sub account.
Feature |
Availability |
|
Uncrystallised transfers |
Yes |
|
Immediate tax-free cash |
Yes - on cash transfers |
|
Maximum age for Uncrystallised Transfers |
Must be no more than 84 years old. |
|
Flexi-access drawdown transfers |
Yes |
|
Capped drawdown transfers |
Yes |
|
Maximum age for Crystallised Transfers |
Must be no more than 84 years old. |
|
Block transfers accepted? |
Yes - uncrystallised only |
|
Transfer method |
Cash or re-registration |
|
Can you merge flexi-access drawdown arrangements? |
Yes |
Withdrawal options
The CRA offers some of the most comprehensive withdrawal solutions in the market.
Feature |
Availability |
|
Open market option |
Yes |
|
Flexi access drawdown |
Yes |
|
Lump sums |
Yes |
|
Capped drawdown |
Yes |
|
Small pots |
Yes |
|
Tax efficient regular income options (TRIO) Available with:
|
|
|
Payment date |
1st to 28th of the month |
|
Frequency |
Monthly, quarterly, half yearly, yearly |
|
How is tax-free cash paid? (for immediate TFC and ad hoc requests) |
CHAPS |
|
At post-retirement sub account level? |
Yes |
|
Tax efficient regular income options (TRIO) available from age 55 to age 75? |
Yes |
|
Tax efficient regular income options (TRIO) available from after age 75? |
Yes |
|
Tax efficient regular income options (TRIO) available when someone has lifetime allowance protection? |
Yes (If one of the following protections applies, TRIO cannot be instructed: Protected early retirement age, protected tax-free lump sum entitlement, Primary Protection with Primary Protected tax-free lump sum) |
Death Benefit
The CRA makes cascading residual wealth to loved ones and future generations easy. Making nominations is important to ensure your client’s wishes to leave a legacy are clear. Without a nomination, the benefit options on death are more limited.
Feature |
Availability |
|
Beneficiary drawdown with no minimum age of entry |
Yes – dependant, successor and nominee |
Transfers out
UNCRYSTALLISED |
|
|
Transfer out |
Partial or full |
|
Transfer method |
Cash or re-registration |
|
Annuity purchase |
Partial or full |
CRYSTALLISED |
|
|
Transfer out |
Full – per sub account |
|
Transfer method |
Cash or re-registration |
|
Annuity purchase |
Partial or full – per sub account |
You also have the option, if you need it, to transfer the value of your client's CRA to another pension scheme or use it to buy a guaranteed income for life.
How to make the most of your client’s pension
The CRA is one of the most flexible pensions in the market. Explore the options below to discover how we can help you and your clients get the most out of your pension.
Approver: Quilter, June 2026.
Q 01211/206/17317