MyTime offers a solution for clients with pension pots between £30,000 – £250,000 who may not be able to afford financial advice.
Let's redefine retirement together and help people achieve better outcomes.
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Compliant with the latest regulations and underpinned by industry-leading technology, MyTime is designed for customers to self-serve.
We'll take clients through a risk assessment in line with legislation for accessing and using their pension savings.
Your clients will have the option to choose one of four investment pathways – as part of their investment choices - in accordance with regulations.
Our proprietary income plans offer clients a clear investment strategy with pre-defined, sustainable income – all calculated and setup for them.
We're integrated with Origo for simpler, faster transfers – all supported by a team of transfer specialists to resolve any issues and handle manual processes if required.
Assigned advisers to clients and monitor every stage of a client's onboarding progress and stage of retirement – with access to important information and documents.
Designed from the ground up to be as easy to manage decumulation and drawdown as daily banking.
Clients can choose to just invest their money (using pathways) or invest with a pre-defined income built in.
Each pension transferred will be crystallised automatically to pay out tax-free cash almost instantly.
With our proprietary income plans, clients can simply switch on an income schedule in minutes.
We'll handle the paperwork, taxes, and monthly payments – and we'll handle annual increases too.
Built to be flexible so clients can request additional cash or change their investments to suit their needs.
are age 55 or older
have a UK bank account
are a British Citizen with a UK address
have at least £30,000 in pension savings*
We accept money from defined contribution pensions including personal pensions, SIPP's, GPP's and Master Trusts.
We don't accept Defined Benefit Final Salary Schemes or pensions with any guarantees whether that be guaranteed annuity rates or protected sums such as tax free cash.
Create a new client on the system and invite them to setup their MyTime account
Generate illustrations to assist them in choosing an investment plan
Add policy details of their pension savings to help make the transfer process smoother
Monitor their onboarding progress and help them with future decisions
Undergo a risk and considerations questionnaire as per regulation
Verify their identity (KYC/AML) and bank account details (BAV)
Select and activate their preferred investment plan - possibly with your guidance
Add and approve the transfer of relevant pensions to MyTime
Investments carry risk: values can fall as well as rise, and returns aren’t guaranteed.
Charges apply, with full disclosure provided to any clients before they proceed.
My Time takes on the operational burden of small‑pot decumulation by providing a streamlined, compliant retirement‑income service that advisers can rely on. We manage administration, monitoring, and customer support, enabling you to offer a high‑quality retirement solution without the cost and complexity of full advice — and freeing you to focus on your higher‑value clients.
Yes — if you wish to do so. Instead of ending your relationship and leaving clients to find a new adviser or make retirement decisions alone, you can place them with My Time and retain oversight of their My Time SIPP. Alternatively, you can fully pass them to My Time. Either way, you ensure clients are in safe hands, protect goodwill, and maintain continuity — without needing to provide ongoing advice.
My Time removes the need for advisers to run high‑touch, high‑risk decumulation processes for small pots. We manage suitability logic, withdrawal sustainability, communications, and ongoing monitoring — all areas that are disproportionately costly for advisers.This gives you a simple, low‑risk referral route for clients whose retirement‑income needs fall outside your core advised service.
Clients receive a clear, guided retirement‑income experience with:
• sustainable withdrawal structure
• clear communications
• ongoing monitoring
• reduced risk of harm from poor decisions or disengagement
This leads to better long‑term outcomes for clients who would otherwise be left unsupported.
My Time is built around the four Consumer Duty outcomes. We help advisers demonstrate:
Products & Services: A suitable, low‑risk retirement‑income pathway for small pots.
Price & Value: A fair‑value solution where costs are proportionate to the client’s pot size.
Consumer Understanding: Clear, tested communications that improve decision‑making.
Consumer Support: Ongoing monitoring and structured support without the need for full advice.
